Kankakee, IL · Charter 60675
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.47% | 0.19% | -0.46% | 0.27% | 0.26% | 0.10% | 0.16% | +62 bps | |
| Return on Equity | -3.40% | -4.07% | 1.71% | -4.17% | 2.47% | 2.30% | 0.88% | 1.39% | +556 bps | |
| Net Interest Margin | 2.91% | 2.85% | 2.71% | 2.97% | 3.01% | 3.11% | 3.09% | 3.15% | +18 bps | |
| Efficiency Ratio | 83.54% | 89.32% | 88.14% | 86.78% | 86.49% | 87.15% | 91.07% | 89.86% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | 3.17% | 3.16% | -2.84% | 7.19% | 1.56% | -3.59% | 1.87% | +471 bps | |
| Loan Growth (YoY) | -7.08% | -7.47% | -5.96% | -6.93% | 3.87% | 15.87% | 26.75% | 32.39% | +3,932 bps | |
| Share Growth (YoY) | 0.59% | 3.99% | 4.23% | -2.02% | 8.87% | 1.84% | -3.88% | 1.62% | +364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.78% | 1.14% | 1.24% | 1.13% | 1.02% | 0.97% | 0.24% | -100 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 | 0.63% | 0.65% | 0.66% | 0.77% | 0.72% | 0.73% | 0.69% | 0.51% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.98% | 11.43% | 10.84% | 11.15% | 10.94% | 11.24% | 11.13% | 11.30% | +15 bps | |
| Net Worth / Assets | 11.98% | 11.43% | 10.84% | 11.15% | 10.94% | 11.24% | 11.13% | 11.30% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.21% | 63.42% | 57.67% | 61.62% | 65.07% | 72.15% | 76.04% | 80.28% | +1,866 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |