Granite City, IL · Charter 65366
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | -0.28% | -0.39% | -1.14% | -1.01% | -0.83% | -0.79% | -1.65% | -51 bps | |
| Return on Equity | 1.98% | -1.71% | -2.34% | -6.95% | -6.08% | -5.19% | -5.40% | -11.08% | -413 bps | |
| Net Interest Margin | 4.05% | 3.51% | 3.55% | 2.72% | 2.95% | 2.87% | 2.68% | 2.14% | -58 bps | |
| Efficiency Ratio | 91.72% | 107.75% | 110.76% | 140.43% | 133.52% | 126.39% | 127.43% | 175.81% | +3,538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.85% | 0.62% | -1.99% | -0.56% | -2.48% | -3.81% | 7.39% | 3.33% | +389 bps | |
| Loan Growth (YoY) | 15.76% | 27.08% | 6.23% | 8.81% | 0.82% | 2.38% | -3.59% | -1.25% | -1,006 bps | |
| Share Growth (YoY) | -3.75% | 1.78% | -1.44% | 0.53% | -1.77% | -3.48% | 9.83% | 5.37% | +485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.86% | +286 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 | 0.28% | 0.26% | 0.26% | 0.27% | 0.27% | 0.26% | 0.27% | 0.27% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.26% | 16.12% | 16.62% | 16.35% | 16.62% | 15.97% | 14.68% | 14.86% | -149 bps | |
| Net Worth / Assets | 17.26% | 16.12% | 16.62% | 16.35% | 16.62% | 15.97% | 14.68% | 14.86% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.46% | 84.09% | 89.53% | 86.63% | 86.69% | 89.19% | 78.59% | 81.18% | -545 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |