Elgin, IL · Charter 64838
Q1 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | -3.50% | -0.21% | -0.31% | -0.49% | 0.19% | -0.37% | 0.14% | +45 bps | |
| Return on Equity | 1.87% | -33.44% | -1.89% | -2.77% | -4.57% | 1.81% | -3.61% | 1.40% | +416 bps | |
| Net Interest Margin | 2.94% | 2.35% | 2.29% | 2.46% | 2.43% | 2.62% | 2.70% | 2.47% | +1 bps | |
| Efficiency Ratio | 77.37% | 81.99% | 67.42% | 85.10% | 96.86% | 93.48% | 107.73% | 92.68% | +758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.39% | 12.24% | 12.17% | 4.65% | 5.32% | 3.61% | -0.37% | 3.06% | -159 bps | |
| Loan Growth (YoY) | -11.65% | -16.15% | -22.68% | -15.68% | -13.52% | -9.17% | -3.89% | -12.71% | +296 bps | |
| Share Growth (YoY) | 22.21% | 13.79% | 13.67% | 5.26% | 6.74% | 4.69% | 0.49% | 4.08% | -118 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 1.55% | 1.73% | 1.50% | 1.87% | 1.00% | 0.79% | 0.00% | -150 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 | 0.98% | 1.08% | 1.16% | 1.23% | 1.33% | 1.41% | 1.42% | 0.53% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.70% | 10.47% | 11.00% | 11.05% | 10.63% | 10.51% | 10.38% | 10.29% | -76 bps | |
| Net Worth / Assets | 11.70% | 10.47% | 11.00% | 11.05% | 10.63% | 10.51% | 10.38% | 10.29% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.84% | 44.58% | 41.34% | 42.80% | 41.19% | 38.67% | 39.54% | 35.90% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |