Springfield, IL · Charter 60498
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -4.85% | -1.76% | -1.66% | -1.58% | 0.45% | 0.29% | -2.05% | -39 bps | |
| Return on Equity | -1.07% | -36.77% | -13.07% | -12.23% | -11.09% | 3.36% | 2.14% | -14.23% | -200 bps | |
| Net Interest Margin | 4.98% | 4.74% | 4.78% | 4.79% | 5.02% | 4.20% | 4.02% | 4.67% | -12 bps | |
| Efficiency Ratio | 79.28% | 82.16% | 77.60% | 82.72% | 84.03% | 89.33% | 92.75% | 98.23% | +1,551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.21% | -19.92% | -13.04% | -11.77% | -14.86% | -2.63% | -4.84% | -16.38% | -461 bps | |
| Loan Growth (YoY) | -27.00% | -25.71% | -25.55% | -33.07% | -30.08% | -24.04% | -24.44% | -24.10% | +897 bps | |
| Share Growth (YoY) | -9.87% | -21.08% | -13.28% | -12.27% | -15.66% | -2.85% | -5.21% | -17.28% | -500 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.44% | 5.62% | 6.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.32% | 2.46% | 3.58% | 4.13% | 4.16% | 4.45% | 3.04% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.44% | 13.18% | 13.47% | 13.57% | 14.21% | 13.42% | 13.72% | 14.41% | +84 bps | |
| Net Worth / Assets | 13.44% | 13.18% | 13.47% | 13.57% | 14.21% | 13.42% | 13.72% | 14.41% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.08% | 78.67% | 74.62% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |