Tuscola, IL · Charter 60282
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Tuscola, IL · Charter 60282
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.14% | -1.44% | -0.98% | -0.61% | -8.64% | -8.13% | -8.90% | 0.54% | +115 bps | |
| Return on Equity | -10.42% | -6.73% | -4.35% | -2.73% | -42.76% | -42.28% | -50.05% | 2.97% | +570 bps | |
| Net Interest Margin | 3.62% | 3.88% | 3.92% | 3.78% | 4.13% | 4.51% | 4.51% | 5.12% | +133 bps | |
| Efficiency Ratio | 82.30% | 87.37% | 86.37% | 118.05% | 123.94% | 108.27% | 114.79% | 89.69% | -2,836 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.07% | -7.94% | -8.00% | -7.99% | -15.80% | -15.13% | -16.14% | -17.74% | -975 bps | |
| Loan Growth (YoY) | 21.25% | 25.92% | 10.18% | 3.17% | 3.40% | -8.64% | -8.59% | -15.70% | -1,887 bps | |
| Share Growth (YoY) | -4.92% | -8.22% | -8.95% | -8.48% | -15.57% | -13.16% | -11.61% | -13.81% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.29% | 11.49% | 13.37% | 12.74% | 13.27% | 10.05% | 9.14% | 4.38% | -837 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 | 4.10% | 3.45% | 1.75% | 0.92% | 6.59% | 5.39% | 8.02% | 7.43% | +651 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.53% | 21.41% | 22.44% | 22.25% | 20.20% | 19.22% | 17.77% | 18.28% | -397 bps | |
| Net Worth / Assets | 20.53% | 21.41% | 22.44% | 22.25% | 20.20% | 19.22% | 17.77% | 18.28% | -397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.68% | 62.05% | 62.44% | 62.33% | 68.19% | 65.28% | 64.57% | 60.97% | -136 bps | |
| Liquid Assets / Assets | 10.26% | 10.94% | 11.59% | 10.49% | 0.00% | 0.00% | 0.00% | 0.00% | -1,049 bps | |