Urbana, IL · Charter 65428
Q3 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.56% | -1.28% | -0.71% | -1.18% | -1.24% | -1.11% | -0.95% | -2.74% | -156 bps | |
| Return on Equity | -15.35% | -13.94% | -7.77% | -12.30% | -12.62% | -12.39% | -10.79% | -35.80% | -2,350 bps | |
| Net Interest Margin | 3.16% | 2.79% | 2.83% | 3.24% | 3.38% | 2.82% | 2.67% | 2.70% | -54 bps | |
| Efficiency Ratio | 141.13% | 140.69% | 121.00% | 130.72% | 131.00% | 135.56% | 132.06% | 190.85% | +6,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | 5.04% | 5.57% | -8.51% | -10.96% | -8.23% | -9.23% | -4.04% | +448 bps | |
| Loan Growth (YoY) | 1.82% | -10.46% | -7.46% | -3.58% | -6.78% | -15.80% | -18.62% | -21.49% | -1,791 bps | |
| Share Growth (YoY) | 2.88% | 8.68% | 8.47% | -7.21% | -10.55% | -8.04% | -8.98% | -2.96% | +425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.03% | 0.04% | 0.18% | 0.07% | 1.64% | 1.96% | 1.67% | +149 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 | 0.72% | 0.74% | 0.72% | 0.70% | 0.63% | 0.73% | 0.73% | 0.75% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.15% | 9.19% | 9.11% | 9.58% | 9.82% | 8.93% | 8.79% | 7.64% | -194 bps | |
| Net Worth / Assets | 10.15% | 9.19% | 9.11% | 9.58% | 9.82% | 8.93% | 8.79% | 7.64% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.06% | 41.38% | 42.24% | 47.44% | 46.96% | 37.89% | 37.77% | 38.38% | -906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |