Carterville, IL · Charter 65067
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 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.
Carterville, IL · Charter 65067
Q1 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | -3.15% | -3.22% | 2.75% | -2.05% | -254 bps | |
| Return on Equity | 7.41% | -70.41% | -76.37% | 29.55% | -22.44% | -2,985 bps | |
| Net Interest Margin | 4.86% | 4.61% | 5.10% | 4.66% | 4.13% | -73 bps | |
| Efficiency Ratio | 91.30% | 101.44% | 98.58% | 56.13% | 113.95% | +2,265 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.78% | 11.87% | -3.52% | -4.12% | -9.69% | -2,647 bps | |
| Loan Growth (YoY) | 21.21% | 2.17% | -6.98% | -17.10% | -27.01% | -4,822 bps | |
| Share Growth (YoY) | 19.95% | 16.85% | -1.39% | -8.42% | -11.86% | -3,181 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.86% | 2.38% | 3.99% | 3.49% | 2.58% | -327 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.96% | 3.47% | 3.26% | 2.60% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.52% | 4.48% | 4.22% | 9.32% | 9.15% | +263 bps | |
| Net Worth / Assets | 6.52% | 4.48% | 4.22% | 9.32% | 9.15% | +263 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.78% | 86.22% | 90.29% | 87.77% | 80.98% | -1,681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |