Morris, IL · Charter 65461
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
Morris, IL · Charter 65461
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.50% | -1.07% | -22.90% | -11.47% | -7.82% | -6.86% | -23.69% | -79 bps | |
| Return on Equity | 2.46% | 3.17% | -6.22% | -171.17% | -88.20% | -61.91% | -46.22% | -151.89% | +1,928 bps | |
| Net Interest Margin | 5.31% | 5.36% | 6.35% | 6.43% | 5.68% | 5.28% | 6.31% | 10.30% | +387 bps | |
| Efficiency Ratio | 85.36% | 84.59% | 82.37% | 88.12% | 93.55% | 97.47% | 97.49% | 92.05% | +393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 0.63% | -2.96% | -12.37% | -16.71% | -11.89% | -11.76% | -39.82% | -2,745 bps | |
| Loan Growth (YoY) | -3.90% | -10.38% | -7.72% | -6.51% | -13.98% | 2.40% | -1.82% | -12.78% | -628 bps | |
| Share Growth (YoY) | 9.01% | 0.34% | -1.83% | -9.83% | -14.71% | -8.38% | -9.66% | -41.63% | -3,181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 7.36% | 4.75% | 0.00% | 6.81% | 5.53% | -183 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 | 2.06% | 2.20% | 0.00% | 1.23% | 1.44% | 1.48% | 0.75% | 1.90% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.08% | 15.93% | 17.20% | 13.38% | 13.00% | 12.63% | 14.84% | 15.60% | +222 bps | |
| Net Worth / Assets | 15.08% | 15.93% | 17.20% | 13.38% | 13.00% | 12.63% | 14.84% | 15.60% | +222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.47% | 67.47% | 82.10% | 71.88% | 69.06% | 75.41% | 89.23% | 107.41% | +3,553 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |