Bourbonnais, IL · Charter 60169
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Bourbonnais, IL · Charter 60169
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 | -0.15% | 0.09% | 1.02% | 0.16% | 0.55% | 0.24% | -1.17% | 1.21% | +106 bps | |
| Return on Equity | -0.72% | 0.40% | 4.66% | 0.69% | 2.51% | 1.07% | -5.39% | 5.36% | +466 bps | |
| Net Interest Margin | 4.93% | 5.06% | 5.88% | 6.32% | 4.09% | 4.23% | 4.27% | 4.50% | -182 bps | |
| Efficiency Ratio | 102.99% | 82.46% | 74.57% | 72.91% | 89.42% | 95.20% | 100.59% | 75.84% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.49% | -2.88% | -0.74% | -1.97% | -1.78% | -0.07% | -3.11% | -5.76% | -379 bps | |
| Loan Growth (YoY) | -18.45% | -12.17% | -9.94% | -9.24% | -5.11% | -20.35% | -19.26% | -26.04% | -1,679 bps | |
| Share Growth (YoY) | -6.55% | -2.69% | 0.20% | -1.12% | -2.37% | -0.09% | -2.61% | -5.68% | -456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.75% | 3.22% | 5.59% | 6.54% | 6.33% | 6.79% | 0.44% | -514 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 | 2.73% | 3.29% | 4.68% | 5.42% | 5.82% | 6.22% | 9.05% | 2.87% | -255 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.34% | 21.74% | 21.98% | 22.47% | 22.10% | 21.98% | 21.78% | 22.66% | +19 bps | |
| Net Worth / Assets | 21.34% | 21.74% | 21.98% | 22.47% | 22.10% | 21.98% | 21.78% | 22.66% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.37% | 55.35% | 53.66% | 51.90% | 47.98% | 44.13% | 44.48% | 40.70% | -1,120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |