Joliet, IL · Charter 64307
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.82% | 0.52% | -3.16% | 0.17% | -0.67% | -0.61% | 0.46% | +362 bps | |
| Return on Equity | 8.04% | 7.31% | 4.81% | -33.47% | 1.68% | -6.99% | -6.48% | 5.24% | +3,870 bps | |
| Net Interest Margin | 4.15% | 4.24% | 4.15% | 3.84% | 3.85% | 3.96% | 3.90% | 3.55% | -29 bps | |
| Efficiency Ratio | 79.71% | 80.34% | 81.39% | 87.95% | 70.84% | 86.38% | 86.48% | 81.63% | -632 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 6.46% | 8.63% | 7.15% | 10.39% | 10.05% | 9.10% | 10.52% | +337 bps | |
| Loan Growth (YoY) | 7.96% | 7.94% | 7.39% | 1.64% | 4.41% | 5.24% | 3.28% | 2.66% | +101 bps | |
| Share Growth (YoY) | 4.35% | 6.25% | 9.24% | 8.40% | 10.76% | 11.01% | 10.13% | 11.15% | +275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.96% | 1.72% | 1.73% | 1.59% | 1.31% | 1.41% | 1.45% | -28 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 | 1.60% | 1.53% | 1.39% | 1.50% | 1.34% | 1.28% | 1.33% | 1.42% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.01% | 11.25% | 10.86% | 9.45% | 10.14% | 9.64% | 9.34% | 8.82% | -63 bps | |
| Net Worth / Assets | 11.01% | 11.25% | 10.86% | 9.45% | 10.14% | 9.64% | 9.34% | 8.82% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.29% | 72.38% | 70.57% | 64.32% | 66.26% | 68.62% | 66.18% | 59.40% | -491 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |