Springfield, IL · Charter 60498
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Springfield, IL · Charter 60498
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.66% | -1.58% | 0.45% | 0.29% | -2.05% | -39 bps | |
| Return on Equity | -12.23% | -11.09% | 3.36% | 2.14% | -14.23% | -200 bps | |
| Net Interest Margin | 4.79% | 5.02% | 4.20% | 4.02% | 4.67% | -12 bps | |
| Efficiency Ratio | 82.72% | 84.03% | 89.33% | 92.75% | 98.23% | +1,551 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.77% | -14.86% | -2.63% | -4.84% | -16.38% | -461 bps | |
| Loan Growth (YoY) | -33.07% | -30.08% | -24.04% | -24.44% | -24.10% | +897 bps | |
| Share Growth (YoY) | -12.27% | -15.66% | -2.85% | -5.21% | -17.28% | -500 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 5.02% | 2.50% | 10.09% | 0.72% | -235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.58% | 4.13% | 4.16% | 4.45% | 3.04% | -54 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.57% | 14.21% | 13.42% | 13.72% | 14.41% | +84 bps | |
| Net Worth / Assets | 13.57% | 14.21% | 13.42% | 13.72% | 14.41% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.21% | 66.39% | 61.51% | 59.48% | 60.75% | -546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |