Rockford, IL · Charter 60322
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.60% | 0.23% | 0.02% | -0.90% | -13.16% | -9.81% | -12.15% | -1,217 bps | |
| Return on Equity | 3.55% | 2.86% | 1.05% | 0.10% | -4.02% | -76.07% | -54.29% | -79.33% | -7,942 bps | |
| Net Interest Margin | 5.27% | 5.14% | 5.33% | 5.72% | 4.06% | 4.68% | 4.80% | 5.14% | -58 bps | |
| Efficiency Ratio | 89.48% | 89.72% | 96.14% | 99.67% | 118.80% | 121.41% | 123.41% | 160.53% | +6,086 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.11% | -1.41% | -5.72% | -14.06% | -16.90% | -19.42% | -19.23% | -17.59% | -353 bps | |
| Loan Growth (YoY) | -1.06% | -8.65% | -14.76% | -23.23% | -26.39% | -41.71% | -37.81% | -40.31% | -1,708 bps | |
| Share Growth (YoY) | 0.65% | -6.46% | -9.05% | -17.12% | -21.89% | -15.59% | -14.82% | -9.79% | +733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.10% | 5.87% | 6.96% | 13.38% | 14.06% | 12.40% | 9.79% | +282 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 | 5.63% | 2.17% | 0.16% | 2.48% | 2.36% | 1.99% | 2.51% | 5.83% | +335 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.31% | 21.00% | 22.25% | 22.63% | 22.27% | 17.30% | 18.06% | 15.31% | -732 bps | |
| Net Worth / Assets | 17.31% | 21.00% | 22.25% | 22.63% | 22.27% | 17.30% | 18.06% | 15.31% | -732 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.22% | 104.51% | 105.11% | 102.48% | 93.50% | 72.17% | 76.74% | 67.82% | -3,466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |