Spring Grove, IL · Charter 64407
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Spring Grove, IL · Charter 64407
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 0.72% | 1.00% | 0.94% | 0.97% | 0.37% | 0.43% | -21.71% | -2,265 bps | |
| Return on Equity | 5.84% | 3.41% | 4.65% | 4.33% | 4.34% | 1.63% | 1.94% | -171.82% | -17,615 bps | |
| Net Interest Margin | 3.06% | 2.54% | 2.60% | 2.70% | 2.78% | 2.86% | 2.42% | -3.79% | -649 bps | |
| Efficiency Ratio | 54.68% | 66.90% | 62.92% | 66.21% | 63.30% | 65.65% | 80.02% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.87% | -11.99% | -8.90% | -7.45% | -4.16% | -6.05% | -1.03% | -7.91% | -45 bps | |
| Loan Growth (YoY) | 18.90% | 32.04% | 31.40% | 13.50% | 4.10% | -9.84% | -10.84% | -23.47% | -3,696 bps | |
| Share Growth (YoY) | -16.86% | -14.90% | -11.72% | -9.87% | -5.73% | -8.10% | -1.56% | 1.11% | +1,098 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.40% | 2.80% | 2.62% | 2.42% | 4.06% | 2.96% | 0.56% | -206 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 | 1.83% | 1.72% | 1.88% | 1.95% | 1.90% | 3.23% | 2.24% | 16.24% | +1,429 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.06% | 21.09% | 21.58% | 21.75% | 22.48% | 22.82% | 22.01% | 12.64% | -912 bps | |
| Net Worth / Assets | 21.06% | 21.09% | 21.58% | 21.75% | 22.48% | 22.82% | 22.01% | 12.64% | -912 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.00% | 59.34% | 57.32% | 60.67% | 59.63% | 58.22% | 51.92% | 45.93% | -1,475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |