Springfield, IL · Charter 63776
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Springfield, IL · Charter 63776
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 1.19% | 0.29% | 0.23% | 0.49% | 0.18% | 0.14% | 0.09% | -13 bps | |
| Return on Equity | 3.67% | 7.92% | 2.27% | 1.94% | 4.24% | 1.25% | 1.02% | 0.77% | -117 bps | |
| Net Interest Margin | 4.13% | 5.85% | 4.67% | 4.04% | 4.17% | 5.26% | 4.72% | 4.37% | +33 bps | |
| Efficiency Ratio | 88.50% | 79.28% | 93.09% | 94.52% | 88.50% | 96.62% | 97.18% | 92.54% | -198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.52% | -13.13% | -6.74% | -2.55% | -1.61% | -0.48% | -4.52% | -5.00% | -245 bps | |
| Loan Growth (YoY) | -0.74% | -6.71% | -1.13% | -1.05% | -8.04% | -1.60% | -9.91% | -9.44% | -839 bps | |
| Share Growth (YoY) | -13.55% | -11.42% | -8.10% | -3.51% | -2.37% | -0.53% | -5.52% | -6.10% | -259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.73% | 0.48% | 0.14% | 0.49% | 0.43% | 0.93% | 0.54% | +40 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 | 1.43% | 1.42% | 1.41% | 1.23% | 1.33% | 1.31% | 1.39% | 1.29% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.15% | 14.99% | 12.66% | 11.62% | 11.61% | 14.61% | 13.40% | 12.33% | +70 bps | |
| Net Worth / Assets | 11.15% | 14.99% | 12.66% | 11.62% | 11.61% | 14.61% | 13.40% | 12.33% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.28% | 60.62% | 54.35% | 46.60% | 43.59% | 59.97% | 51.83% | 44.94% | -166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |