Quincy, IL · Charter 65462
Q2 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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.11% | 0.16% | 0.33% | -0.08% | -0.29% | 0.33% | -0.05% | -38 bps | |
| Return on Equity | -4.15% | -1.64% | 2.47% | 5.09% | -1.23% | -4.34% | 5.26% | -0.73% | -582 bps | |
| Net Interest Margin | 3.40% | 3.92% | 3.79% | 3.81% | 3.96% | 4.30% | 3.70% | 4.08% | +27 bps | |
| Efficiency Ratio | 107.42% | 93.79% | 96.04% | 90.04% | 99.60% | 98.26% | 89.06% | 99.75% | +971 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | -6.13% | 3.14% | 2.09% | -6.20% | -5.38% | -3.46% | -10.53% | -1,262 bps | |
| Loan Growth (YoY) | -11.16% | -2.26% | -5.70% | -7.04% | -3.05% | -6.93% | -6.38% | -8.13% | -109 bps | |
| Share Growth (YoY) | 3.16% | -3.68% | 4.21% | 2.70% | -5.89% | -5.03% | -3.53% | -10.82% | -1,353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 0.89% | 0.63% | 0.73% | 3.34% | 3.48% | 3.50% | 3.44% | +270 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 | 1.02% | 0.81% | 0.88% | 0.77% | 0.84% | 1.34% | 1.17% | 1.11% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.34% | 6.88% | 6.32% | 6.45% | 6.39% | 6.66% | 6.32% | 6.71% | +26 bps | |
| Net Worth / Assets | 6.34% | 6.88% | 6.32% | 6.45% | 6.39% | 6.66% | 6.32% | 6.71% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.83% | 61.04% | 54.37% | 53.60% | 55.45% | 59.82% | 52.76% | 55.22% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |