Carterville, IL · Charter 65067
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | -1.77% | -1.24% | 0.48% | -3.15% | -3.22% | 2.75% | -2.05% | -254 bps | |
| Return on Equity | 7.75% | -26.75% | -18.92% | 7.41% | -70.41% | -76.37% | 29.55% | -22.44% | -2,985 bps | |
| Net Interest Margin | 5.32% | 5.14% | 4.95% | 4.86% | 4.61% | 5.10% | 4.66% | 4.13% | -73 bps | |
| Efficiency Ratio | 88.95% | 130.62% | 122.24% | 91.30% | 101.44% | 98.58% | 56.13% | 113.95% | +2,265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.50% | 18.56% | 11.04% | 16.78% | 11.87% | -3.52% | -4.12% | -9.69% | -2,647 bps | |
| Loan Growth (YoY) | 22.54% | 14.57% | 17.22% | 21.21% | 2.17% | -6.98% | -17.10% | -27.01% | -4,822 bps | |
| Share Growth (YoY) | 18.44% | 22.54% | 13.84% | 19.95% | 16.85% | -1.39% | -8.42% | -11.86% | -3,181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.90% | 4.05% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.98% | 1.97% | 1.98% | 2.96% | 3.47% | 3.26% | 2.60% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 6.60% | 6.55% | 6.52% | 4.48% | 4.22% | 9.32% | 9.15% | +263 bps | |
| Net Worth / Assets | 8.38% | 6.60% | 6.55% | 6.52% | 4.48% | 4.22% | 9.32% | 9.15% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.61% | 95.72% | 96.95% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |