Ottawa, IL · Charter 64410
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Ottawa, IL · Charter 64410
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -0.64% | -0.64% | -1.01% | -0.70% | -1.22% | -0.87% | -3.21% | -219 bps | |
| Return on Equity | 4.06% | -6.66% | -6.61% | -11.30% | -7.91% | -15.67% | -9.67% | -39.00% | -2,770 bps | |
| Net Interest Margin | 3.18% | 3.05% | 3.10% | 2.69% | 2.72% | 2.26% | 2.68% | 3.07% | +38 bps | |
| Efficiency Ratio | 65.05% | 91.19% | 94.98% | 104.58% | 103.98% | 123.84% | 113.62% | 169.99% | +6,541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | 11.50% | 7.39% | 6.30% | 4.15% | 10.00% | -3.00% | -18.63% | -2,493 bps | |
| Loan Growth (YoY) | -7.65% | -9.28% | -11.67% | -17.69% | -17.88% | -21.30% | -18.34% | -18.74% | -105 bps | |
| Share Growth (YoY) | 4.53% | 13.86% | 9.16% | 7.52% | 6.44% | 12.30% | -2.40% | -17.91% | -2,543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.07% | 1.74% | 2.81% | 2.29% | 2.31% | 1.22% | 1.27% | 1.13% | -116 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 | 1.29% | 1.37% | 1.68% | 2.38% | 1.92% | 1.15% | 1.32% | 1.82% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.68% | 9.63% | 9.75% | 8.96% | 8.89% | 7.78% | 8.99% | 8.22% | -75 bps | |
| Net Worth / Assets | 10.68% | 9.63% | 9.75% | 8.96% | 8.89% | 7.78% | 8.99% | 8.22% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.34% | 53.72% | 50.61% | 43.41% | 44.24% | 37.64% | 42.35% | 42.97% | -44 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |