Eldorado, IL · Charter 65332
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Eldorado, IL · Charter 65332
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.11% | -1.71% | -1.38% | -1.24% | -2.42% | -0.46% | -1.55% | -1.57% | -33 bps | |
| Return on Equity | -13.30% | -21.86% | -18.43% | -16.85% | -31.76% | -6.57% | -24.12% | -25.04% | -820 bps | |
| Net Interest Margin | 2.53% | 3.86% | 3.92% | 3.70% | 3.21% | 3.08% | 3.27% | 3.38% | -31 bps | |
| Efficiency Ratio | 132.72% | 111.52% | 116.48% | 115.75% | 128.23% | 134.28% | 125.96% | 122.53% | +678 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.76% | -1.07% | -2.00% | -3.40% | -3.88% | 1.49% | -3.49% | -6.20% | -280 bps | |
| Loan Growth (YoY) | -5.73% | -2.49% | -11.38% | -15.54% | -13.00% | -13.89% | -5.61% | -2.93% | +1,261 bps | |
| Share Growth (YoY) | 8.27% | 2.68% | 0.37% | -1.75% | -2.57% | 2.26% | -2.34% | -5.03% | -329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.20% | 0.17% | 0.00% | 0.00% | 0.63% | 1.38% | 1.33% | +133 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 | 0.30% | 0.73% | 0.68% | 0.80% | 0.46% | 0.46% | 1.52% | 1.19% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.35% | 7.81% | 7.51% | 7.35% | 7.60% | 7.07% | 6.44% | 6.26% | -108 bps | |
| Net Worth / Assets | 8.35% | 7.81% | 7.51% | 7.35% | 7.60% | 7.07% | 6.44% | 6.26% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.08% | 90.10% | 84.13% | 78.97% | 75.97% | 75.87% | 81.31% | 80.72% | +175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |