Collinsville, IL · Charter 63460
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.60% | 0.28% | 0.22% | 0.26% | -0.42% | -1.61% | -10.83% | -1,104 bps | |
| Return on Equity | 2.84% | 1.39% | 0.70% | 0.50% | 0.61% | -0.92% | -3.64% | -25.87% | -2,637 bps | |
| Net Interest Margin | 6.18% | 5.51% | 5.55% | 5.76% | 6.04% | 4.81% | 3.84% | 6.48% | +72 bps | |
| Efficiency Ratio | 81.13% | 89.19% | 94.88% | 96.20% | 95.62% | 108.78% | 141.88% | 142.92% | +4,672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | -3.86% | 5.03% | -3.96% | -6.11% | -6.59% | -9.78% | -16.44% | -1,249 bps | |
| Loan Growth (YoY) | -1.96% | -17.29% | -21.50% | -6.53% | -2.87% | 5.93% | 7.66% | -17.55% | -1,101 bps | |
| Share Growth (YoY) | 1.95% | -6.25% | 8.75% | -6.46% | -9.76% | -10.94% | -14.87% | -13.60% | -714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 12.36% | +1,236 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 | 1.07% | 1.26% | 1.34% | 1.18% | 1.10% | 1.19% | 1.25% | 10.71% | +953 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 41.10% | 43.02% | 40.80% | 43.76% | 43.46% | 45.75% | 44.14% | 41.85% | -191 bps | |
| Net Worth / Assets | 41.10% | 43.02% | 40.80% | 43.76% | 43.46% | 45.75% | 44.14% | 41.85% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.93% | 106.82% | 91.29% | 117.23% | 123.70% | 127.06% | 115.45% | 111.87% | -536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |