Galesburg, IL · Charter 60280
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Galesburg, IL · Charter 60280
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.57% | -0.40% | -0.05% | 0.14% | -0.76% | -0.83% | -4.30% | -425 bps | |
| Return on Equity | -0.13% | -2.90% | -2.01% | -0.22% | 0.65% | -3.73% | -4.07% | -23.01% | -2,279 bps | |
| Net Interest Margin | 4.21% | 4.40% | 4.55% | 4.84% | 4.73% | 4.83% | 5.17% | 5.64% | +80 bps | |
| Efficiency Ratio | 80.64% | 86.36% | 91.73% | 87.72% | 85.30% | 78.86% | 77.94% | 77.87% | -984 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.45% | -11.46% | -9.73% | -9.13% | -2.81% | -2.55% | -3.00% | -3.57% | +556 bps | |
| Loan Growth (YoY) | 12.06% | 6.17% | 7.88% | 17.61% | 26.12% | 38.45% | 54.84% | 37.65% | +2,003 bps | |
| Share Growth (YoY) | -12.63% | -13.52% | -11.50% | -11.20% | -3.98% | -4.12% | -4.21% | -1.80% | +939 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.69% | 3.35% | 3.29% | 2.68% | 2.33% | 1.71% | 2.58% | 4.47% | +179 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 | 3.69% | 4.49% | 3.46% | 2.74% | 2.06% | 2.55% | 3.04% | 8.57% | +584 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.22% | 19.57% | 20.03% | 21.04% | 20.99% | 20.29% | 20.50% | 18.69% | -235 bps | |
| Net Worth / Assets | 20.22% | 19.57% | 20.03% | 21.04% | 20.99% | 20.29% | 20.50% | 18.69% | -235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.38% | 31.65% | 33.70% | 41.92% | 43.84% | 45.70% | 54.48% | 58.76% | +1,684 bps | |
| Liquid Assets / Assets | 14.81% | 20.71% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |