Champaign, IL · Charter 60197
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Champaign, IL · Charter 60197
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.40% | 1.83% | 2.11% | -0.60% | 1.46% | -23.38% | -13.46% | -1,556 bps | |
| Return on Equity | 0.44% | 4.36% | 36.76% | 23.99% | -7.80% | 28.49% | n/a | n/a | n/a | |
| Net Interest Margin | 4.46% | 4.33% | 5.29% | 4.59% | 3.64% | 9.47% | 2.03% | 2.32% | -227 bps | |
| Efficiency Ratio | 99.24% | 92.40% | 68.36% | 58.04% | 73.99% | 85.83% | 809% | 569% | +51,097 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.72% | 35.96% | 22.76% | 34.84% | 16.60% | 1.37% | 22.36% | 10.83% | -2,401 bps | |
| Loan Growth (YoY) | 23.11% | 2.96% | -0.01% | 5.35% | 2.28% | 8.06% | 13.87% | 9.42% | +407 bps | |
| Share Growth (YoY) | 34.11% | 40.87% | 38.89% | 47.94% | 18.42% | 4.66% | 27.97% | 20.51% | -2,743 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.17% | 5.08% | 2.93% | 4.82% | 2.27% | 5.20% | 6.89% | 4.33% | -50 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 | 1.86% | 0.54% | 0.90% | 0.72% | 0.69% | 1.37% | 1.44% | 1.42% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.09% | 9.19% | 4.97% | 8.78% | 7.67% | 5.12% | -0.98% | -1.65% | -1,043 bps | |
| Net Worth / Assets | 9.09% | 9.19% | 4.97% | 8.78% | 7.67% | 5.12% | -0.98% | -1.65% | -1,043 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.42% | 82.57% | 82.65% | 85.45% | 76.37% | 85.26% | 73.54% | 77.58% | -787 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |