Broadview, IL · Charter 2516
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.63% | 1.12% | 0.83% | -1.69% | -1.08% | 0.54% | -0.23% | -105 bps | |
| Return on Equity | 2.35% | 1.35% | 2.34% | 1.65% | -3.44% | -2.24% | 1.06% | -0.53% | -218 bps | |
| Net Interest Margin | 4.82% | 4.95% | 5.33% | 5.54% | 5.36% | 5.01% | 4.85% | 4.57% | -97 bps | |
| Efficiency Ratio | 69.28% | 79.80% | 87.41% | 92.84% | 126.13% | 116.88% | 85.12% | 97.42% | +458 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.46% | -2.39% | -6.67% | -13.30% | -9.04% | -4.30% | -1.40% | 3.81% | +1,711 bps | |
| Loan Growth (YoY) | 24.39% | 9.00% | 12.95% | -7.85% | -9.33% | 0.36% | 11.36% | 10.37% | +1,822 bps | |
| Share Growth (YoY) | -2.91% | -6.25% | -14.25% | -24.74% | -16.79% | -7.99% | -8.40% | 18.63% | +4,337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.92% | 6.12% | 5.22% | 5.40% | 0.15% | 0.14% | 1.22% | 1.60% | -380 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 | 7.80% | 8.90% | 5.62% | 5.34% | 0.85% | 1.16% | 2.45% | 2.49% | -285 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 44.74% | 46.24% | 47.77% | 50.05% | 49.30% | 48.25% | 51.40% | 42.93% | -713 bps | |
| Net Worth / Assets | 44.74% | 46.24% | 47.77% | 50.05% | 49.30% | 48.25% | 51.40% | 42.93% | -713 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.83% | 35.97% | 37.71% | 41.28% | 40.13% | 39.24% | 45.84% | 38.40% | -287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |