Metropolis, IL · Charter 64965
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 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.
Metropolis, IL · Charter 64965
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | 1.28% | 0.96% | 0.41% | 0.40% | 0.27% | 0.30% | 0.57% | +16 bps | |
| Return on Equity | -6.19% | 15.08% | 11.23% | 4.84% | 4.27% | 3.29% | 3.63% | 6.47% | +163 bps | |
| Net Interest Margin | 5.18% | 5.78% | 5.57% | 5.72% | 6.12% | 6.11% | 5.70% | 5.94% | +22 bps | |
| Efficiency Ratio | 92.52% | 79.95% | 76.13% | 79.68% | 80.73% | 90.04% | 86.27% | 85.25% | +557 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.04% | 4.50% | 0.66% | 4.43% | -0.80% | 3.27% | 4.79% | 2.26% | -217 bps | |
| Loan Growth (YoY) | -2.69% | -3.19% | -2.27% | -2.62% | 0.04% | -2.33% | 4.33% | 4.94% | +755 bps | |
| Share Growth (YoY) | 2.96% | 4.50% | 0.19% | 4.84% | -1.07% | 3.72% | 5.58% | 1.91% | -293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.43% | 6.17% | 4.76% | 3.89% | 5.70% | 5.27% | 7.13% | 8.63% | +474 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 | 2.54% | 2.25% | 2.67% | 2.52% | 2.81% | 2.33% | 2.78% | 2.08% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 8.50% | 8.54% | 8.54% | 9.27% | 8.34% | 8.18% | 8.79% | +26 bps | |
| Net Worth / Assets | 8.80% | 8.50% | 8.54% | 8.54% | 9.27% | 8.34% | 8.18% | 8.79% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.59% | 77.76% | 76.51% | 78.57% | 84.53% | 73.22% | 75.60% | 80.91% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |