Mt. Zion, IL · Charter 60546
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Mt. Zion, IL · Charter 60546
Q2 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.71% | 0.39% | 0.57% | 0.52% | 0.26% | -2.85% | 0.66% | +10 bps | |
| Return on Equity | 4.31% | 3.22% | 1.84% | 2.67% | 2.50% | 1.25% | -14.38% | 3.17% | +50 bps | |
| Net Interest Margin | 3.32% | 3.22% | 3.20% | 2.93% | 2.72% | 2.53% | 2.02% | 2.18% | -76 bps | |
| Efficiency Ratio | 71.24% | 78.09% | 87.79% | 80.72% | 80.72% | 89.91% | 84.20% | 45.79% | -3,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | -1.25% | 1.20% | 2.23% | 7.74% | 8.94% | 4.23% | 2.95% | +72 bps | |
| Loan Growth (YoY) | 11.00% | 2.38% | 1.96% | -6.53% | -22.07% | -25.31% | -29.63% | -41.07% | -3,454 bps | |
| Share Growth (YoY) | -6.00% | -2.46% | 0.68% | 2.08% | 9.38% | 11.10% | 5.78% | 3.18% | +110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.08% | 4.48% | 1.49% | 11.27% | 4.42% | 10.87% | 14.49% | 19.82% | +855 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 | 1.69% | 1.80% | 1.90% | 1.92% | 2.16% | 2.41% | 2.69% | 3.27% | +134 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.17% | 21.92% | 21.21% | 21.17% | 20.97% | 20.38% | 19.80% | 20.88% | -29 bps | |
| Net Worth / Assets | 22.17% | 21.92% | 21.21% | 21.17% | 20.97% | 20.38% | 19.80% | 20.88% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.65% | 58.68% | 53.24% | 51.84% | 45.35% | 39.45% | 35.42% | 29.61% | -2,223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |