Dixon, IL · Charter 60305
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Dixon, IL · Charter 60305
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.91% | 0.17% | 0.69% | 1.38% | 1.62% | 0.91% | -1.28% | -197 bps | |
| Return on Equity | 5.88% | 11.84% | 2.32% | 8.99% | 16.11% | 17.76% | 10.23% | -13.97% | -2,296 bps | |
| Net Interest Margin | 3.15% | 3.23% | 2.42% | 3.12% | 3.60% | 3.65% | 2.90% | 3.25% | +13 bps | |
| Efficiency Ratio | 70.71% | 61.88% | 93.00% | 77.84% | 61.89% | 55.97% | 68.88% | 139.06% | +6,122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.46% | 0.43% | -5.58% | -7.79% | -11.69% | -9.54% | -6.37% | -11.33% | -354 bps | |
| Loan Growth (YoY) | -23.98% | -26.90% | -27.75% | -34.59% | -34.65% | -24.02% | -15.90% | -21.77% | +1,282 bps | |
| Share Growth (YoY) | 4.39% | 0.23% | -6.16% | -8.88% | -13.14% | -10.96% | -7.79% | -12.71% | -383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.57% | 8.26% | 9.80% | 7.54% | 7.94% | 8.01% | 9.57% | 7.73% | +19 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 | 7.26% | 8.83% | 11.97% | 13.97% | 15.49% | 13.67% | 14.39% | 15.97% | +200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.00% | 7.64% | 7.47% | 7.69% | 8.54% | 9.09% | 8.89% | 9.13% | +144 bps | |
| Net Worth / Assets | 7.00% | 7.64% | 7.47% | 7.69% | 8.54% | 9.09% | 8.89% | 9.13% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.02% | 30.59% | 27.51% | 23.75% | 22.59% | 26.10% | 25.09% | 21.29% | -246 bps | |
| Liquid Assets / Assets | 49.66% | 69.13% | 75.55% | 79.14% | 80.45% | 77.42% | 78.38% | 81.64% | +251 bps | |