East Alton, IL · Charter 61828
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
East Alton, IL · Charter 61828
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | -1.20% | -5.52% | -1.96% | -2.44% | -2.59% | -2.27% | -3.59% | -162 bps | |
| Return on Equity | -7.08% | -8.20% | -45.21% | -16.12% | -20.32% | -21.51% | -20.17% | -35.91% | -1,979 bps | |
| Net Interest Margin | 5.31% | 5.25% | 4.25% | 4.02% | 4.30% | 4.44% | 4.13% | 4.53% | +51 bps | |
| Efficiency Ratio | 115.62% | 118.39% | 133.46% | 104.75% | 123.51% | 129.52% | 136.57% | 149.81% | +4,506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.52% | -5.43% | 0.07% | 7.13% | 4.61% | -0.33% | -5.64% | -16.85% | -2,398 bps | |
| Loan Growth (YoY) | -12.36% | -13.43% | -11.70% | -7.79% | -2.15% | -8.32% | -6.15% | -2.72% | +507 bps | |
| Share Growth (YoY) | -12.09% | -5.01% | 2.70% | 10.44% | 8.09% | 2.69% | -4.33% | -14.70% | -2,514 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.95% | 5.44% | 5.61% | 6.83% | 5.95% | 6.21% | 4.52% | 3.53% | -331 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 | 1.39% | 1.42% | 1.62% | 1.69% | 1.30% | 1.18% | 1.43% | 2.28% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.89% | 14.59% | 12.20% | 12.17% | 12.02% | 12.05% | 11.27% | 9.98% | -219 bps | |
| Net Worth / Assets | 14.89% | 14.59% | 12.20% | 12.17% | 12.02% | 12.05% | 11.27% | 9.98% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.18% | 70.85% | 60.97% | 59.97% | 66.25% | 63.25% | 59.81% | 68.39% | +842 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |