Peoria, IL · Charter 60211
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.30% | -2.59% | -5.90% | -4.78% | 1.95% | 1.74% | 1.61% | 0.27% | +504 bps | |
| Return on Equity | -48.56% | -28.12% | -93.00% | -71.92% | 26.51% | 22.54% | 16.40% | 2.98% | +7,491 bps | |
| Net Interest Margin | 4.00% | 4.35% | 4.60% | 4.96% | 5.36% | 5.21% | 5.22% | 5.17% | +21 bps | |
| Efficiency Ratio | 73.04% | 82.20% | 86.36% | 83.58% | 70.78% | 74.38% | 76.29% | 96.05% | +1,247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.33% | -8.38% | -8.00% | -11.59% | -16.05% | -10.87% | -9.09% | -4.13% | +746 bps | |
| Loan Growth (YoY) | -10.63% | -10.88% | -9.62% | -15.54% | -18.09% | -16.76% | -15.09% | -12.54% | +300 bps | |
| Share Growth (YoY) | -7.24% | -7.57% | -3.77% | -8.16% | -14.62% | -9.40% | -12.40% | -7.25% | +91 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.68% | 6.03% | 5.44% | 4.10% | 2.27% | 1.11% | 1.62% | 2.93% | -117 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 | 2.81% | 3.08% | 5.08% | 6.40% | 5.93% | 5.16% | 2.69% | 1.54% | -485 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.85% | 9.20% | 6.34% | 6.64% | 7.37% | 7.72% | 9.82% | 8.93% | +228 bps | |
| Net Worth / Assets | 8.85% | 9.20% | 6.34% | 6.64% | 7.37% | 7.72% | 9.82% | 8.93% | +228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.25% | 80.08% | 76.93% | 76.91% | 75.07% | 73.57% | 74.57% | 72.52% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |