McHenry, IL · Charter 18314
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
McHenry, IL · Charter 18314
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.19% | 0.17% | 0.13% | 0.24% | 3.18% | 0.34% | -0.02% | -15 bps | |
| Return on Equity | 2.07% | 1.55% | 1.34% | 1.04% | 1.87% | 23.93% | 2.32% | -0.16% | -120 bps | |
| Net Interest Margin | 4.70% | 4.68% | 4.75% | 4.68% | 4.83% | 7.66% | 5.45% | 5.51% | +82 bps | |
| Efficiency Ratio | 85.14% | 87.49% | 88.34% | 91.36% | 88.47% | 61.07% | 89.16% | 95.42% | +406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.97% | -9.74% | 0.38% | -6.48% | -6.94% | -5.94% | -11.88% | -11.49% | -501 bps | |
| Loan Growth (YoY) | -12.18% | -13.01% | -2.13% | -0.70% | -1.46% | -1.49% | -14.86% | -16.64% | -1,595 bps | |
| Share Growth (YoY) | -10.24% | -11.03% | 0.44% | -7.46% | -8.02% | -7.10% | -14.13% | -13.36% | -590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 2.21% | 2.38% | 1.95% | 0.86% | 2.17% | 1.95% | 3.08% | +113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.41% | 1.55% | 1.49% | 1.35% | 1.68% | 1.70% | 2.38% | +90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.01% | 12.26% | 12.59% | 12.65% | 13.06% | 13.28% | 14.63% | 14.59% | +194 bps | |
| Net Worth / Assets | 12.01% | 12.26% | 12.59% | 12.65% | 13.06% | 13.28% | 14.63% | 14.59% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.24% | 57.26% | 62.87% | 62.06% | 63.47% | 60.71% | 62.34% | 59.71% | -235 bps | |
| Liquid Assets / Assets | 44.39% | 45.61% | 41.40% | 41.82% | 40.83% | 43.24% | 44.15% | 45.23% | +342 bps | |