So. Holland, IL · Charter 65365
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
So. Holland, IL · Charter 65365
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.64% | -0.41% | -0.25% | -3.18% | -0.47% | 0.92% | -2.33% | -207 bps | |
| Return on Equity | 0.62% | 1.39% | -0.91% | -0.56% | -7.25% | -1.14% | 2.24% | -4.23% | -368 bps | |
| Net Interest Margin | 4.27% | 4.48% | 4.34% | 4.36% | 4.38% | 4.26% | 4.17% | 5.25% | +89 bps | |
| Efficiency Ratio | 86.58% | 86.46% | 109.11% | 105.54% | 111.00% | 76.22% | 64.98% | 122.95% | +1,741 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.60% | 0.01% | 0.54% | -1.07% | -4.90% | 3.14% | 5.33% | -24.86% | -2,379 bps | |
| Loan Growth (YoY) | 18.87% | 29.12% | 27.52% | 16.10% | 4.23% | -14.03% | -19.87% | -15.43% | -3,152 bps | |
| Share Growth (YoY) | -3.70% | -0.90% | -0.27% | -0.84% | -2.89% | 12.26% | 13.83% | -38.66% | -3,782 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.55% | 6.70% | 15.26% | 15.53% | 12.30% | 12.21% | 18.39% | 14.30% | -123 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 | 1.61% | 1.44% | 1.44% | 0.97% | 6.11% | 6.65% | 5.67% | 5.65% | +469 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 44.70% | 45.66% | 45.48% | 45.53% | 43.82% | 41.02% | 40.90% | 54.99% | +946 bps | |
| Net Worth / Assets | 44.70% | 45.66% | 45.48% | 45.53% | 43.82% | 41.02% | 40.90% | 54.99% | +946 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.91% | 100.93% | 100.33% | 97.03% | 93.29% | 77.29% | 70.63% | 133.78% | +3,675 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |