Roodhouse, IL · Charter 60447
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Roodhouse, IL · Charter 60447
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.14% | 0.14% | 0.08% | 0.90% | 0.56% | -0.07% | 0.47% | +39 bps | |
| Return on Equity | 2.01% | 1.26% | 1.24% | 0.70% | 7.15% | 4.53% | -0.52% | 3.42% | +272 bps | |
| Net Interest Margin | 1.67% | 1.56% | 1.41% | 3.60% | 2.11% | 1.83% | 1.40% | 1.68% | -192 bps | |
| Efficiency Ratio | 86.46% | 90.83% | 90.34% | 40.20% | 29.56% | 42.99% | 64.32% | 72.16% | +3,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -6.77% | -6.28% | -6.10% | -6.88% | -4.71% | -20.63% | -20.02% | -1,392 bps | |
| Loan Growth (YoY) | -3.42% | -20.16% | -22.47% | -10.69% | -22.62% | -17.27% | -37.28% | -47.02% | -3,632 bps | |
| Share Growth (YoY) | -6.80% | -7.54% | -7.09% | -5.95% | -7.30% | -4.35% | -23.15% | -22.70% | -1,675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.83% | 1.78% | 11.41% | 10.88% | 10.94% | 18.15% | 13.98% | 17.41% | +653 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 | 3.50% | 4.31% | 7.81% | 8.42% | 10.30% | 11.33% | 15.17% | 19.96% | +1,153 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.34% | 11.43% | 11.07% | 10.98% | 12.60% | 12.39% | 14.05% | 13.75% | +277 bps | |
| Net Worth / Assets | 11.34% | 11.43% | 11.07% | 10.98% | 12.60% | 12.39% | 14.05% | 13.75% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.94% | 10.74% | 10.11% | 9.52% | 9.97% | 9.29% | 8.25% | 6.52% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |