Danville, IL · Charter 62523
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.
Danville, IL · Charter 62523
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 | 1.75% | 0.10% | 1.97% | 1.13% | 1.21% | 0.05% | -2.20% | 1.02% | -11 bps | |
| Return on Equity | 11.37% | 0.72% | 14.03% | 8.39% | 8.97% | 0.42% | -18.54% | 10.47% | +208 bps | |
| Net Interest Margin | 4.36% | 4.61% | 2.97% | 3.19% | 3.63% | 3.50% | 3.62% | 3.29% | +11 bps | |
| Efficiency Ratio | 70.74% | 98.32% | 58.68% | 75.08% | 75.27% | 98.84% | 69.98% | 55.29% | -1,979 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.75% | -1.69% | -0.38% | 6.27% | 12.75% | 11.83% | 9.65% | 7.73% | +146 bps | |
| Loan Growth (YoY) | -12.69% | -12.49% | -0.24% | -0.65% | -7.51% | -2.48% | -15.67% | -9.98% | -933 bps | |
| Share Growth (YoY) | -3.82% | -1.39% | -0.18% | 7.17% | 16.46% | 15.89% | 12.75% | 10.03% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.34% | 0.39% | 0.34% | 0.29% | 0.31% | 1.73% | 1.58% | +124 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 | 2.16% | 2.34% | 2.21% | 2.42% | 2.52% | 2.54% | 2.78% | 2.69% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.36% | 13.93% | 14.03% | 13.44% | 13.46% | 12.51% | 11.86% | 9.71% | -374 bps | |
| Net Worth / Assets | 15.36% | 13.93% | 14.03% | 13.44% | 13.46% | 12.51% | 11.86% | 9.71% | -374 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.26% | 65.81% | 66.35% | 60.83% | 56.59% | 55.38% | 49.63% | 49.77% | -1,106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |