Mattoon, IL · Charter 60292
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.
Mattoon, IL · Charter 60292
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 | 0.20% | 0.61% | 0.91% | 0.72% | 0.19% | -0.16% | 0.23% | -1.04% | -176 bps | |
| Return on Equity | 0.67% | 1.86% | 2.82% | 2.13% | 0.55% | -0.49% | 0.59% | -2.62% | -475 bps | |
| Net Interest Margin | 5.97% | 6.54% | 6.42% | 6.53% | 6.30% | 5.60% | 6.25% | 6.42% | -12 bps | |
| Efficiency Ratio | 96.63% | 90.70% | 86.14% | 89.16% | 97.09% | 102.91% | 96.68% | 115.22% | +2,606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.05% | -21.27% | -6.50% | -11.07% | -10.17% | -1.30% | -15.72% | -16.98% | -592 bps | |
| Loan Growth (YoY) | 17.71% | -56.75% | 9.22% | -13.34% | -20.35% | 99.45% | -35.87% | -41.70% | -2,836 bps | |
| Share Growth (YoY) | -25.34% | -28.99% | -10.26% | -16.61% | -14.80% | -1.91% | -23.05% | -24.21% | -760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.33% | 0.57% | 4.49% | 3.18% | 1.72% | 1.41% | +84 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 | 3.05% | 8.92% | 3.31% | 3.40% | 3.84% | 4.47% | 1.98% | 2.24% | -116 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.05% | 32.69% | 32.50% | 33.90% | 33.64% | 33.11% | 38.35% | 39.63% | +573 bps | |
| Net Worth / Assets | 30.05% | 32.69% | 32.50% | 33.90% | 33.64% | 33.11% | 38.35% | 39.63% | +573 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.79% | 40.03% | 105.82% | 109.56% | 97.02% | 81.40% | 88.20% | 84.27% | -2,529 bps | |
| Liquid Assets / Assets | 27.24% | 72.84% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |