Elgin, IL · Charter 61595
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.22% | -2.56% | -4.33% | -0.35% | -2.64% | -2.60% | -3.16% | -6.39% | -603 bps | |
| Return on Equity | -8.85% | -10.60% | -17.33% | -1.66% | -14.53% | -14.70% | -18.56% | -41.48% | -3,982 bps | |
| Net Interest Margin | 7.37% | 7.61% | 8.34% | 6.44% | 5.25% | 5.19% | 5.10% | 4.38% | -206 bps | |
| Efficiency Ratio | 95.84% | 96.66% | 98.14% | 105.48% | 118.81% | 112.71% | 117.51% | 128.39% | +2,291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.36% | -10.68% | -16.76% | -3.17% | 9.83% | 13.01% | 23.64% | 6.16% | +933 bps | |
| Loan Growth (YoY) | -7.21% | -13.92% | -19.44% | -23.20% | -25.53% | -22.89% | -19.04% | -17.19% | +601 bps | |
| Share Growth (YoY) | -8.91% | -10.91% | -17.32% | 0.79% | 18.17% | 22.25% | 36.12% | 13.62% | +1,284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.49% | 7.84% | 7.92% | 2.57% | 3.90% | 1.37% | 3.12% | 2.53% | -4 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 | 3.24% | 2.81% | 3.10% | 2.89% | 3.00% | 2.02% | 3.12% | 3.07% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.07% | 24.16% | 24.98% | 21.30% | 18.14% | 17.72% | 17.04% | 15.40% | -590 bps | |
| Net Worth / Assets | 25.07% | 24.16% | 24.98% | 21.30% | 18.14% | 17.72% | 17.04% | 15.40% | -590 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.80% | 111.69% | 118.36% | 87.14% | 71.09% | 70.45% | 70.40% | 63.51% | -2,363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |