Quincy, IL · Charter 65487
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Quincy, IL · Charter 65487
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.13% | -0.26% | 0.08% | -0.07% | -0.17% | -1.25% | -0.55% | -63 bps | |
| Return on Equity | 0.39% | 0.56% | -1.13% | 0.35% | -0.28% | -0.64% | -4.87% | -2.03% | -238 bps | |
| Net Interest Margin | 4.01% | 4.69% | 3.58% | 3.74% | 3.51% | 4.50% | 2.88% | 3.53% | -22 bps | |
| Efficiency Ratio | 97.69% | 97.17% | 107.34% | 97.81% | 101.91% | 103.70% | 143.54% | 115.62% | +1,782 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.81% | -7.94% | -4.52% | -3.61% | -1.28% | -10.23% | -11.19% | -15.01% | -1,140 bps | |
| Loan Growth (YoY) | -21.97% | -25.54% | -22.31% | -27.23% | -27.93% | -36.91% | -48.73% | -46.07% | -1,884 bps | |
| Share Growth (YoY) | -8.83% | -10.21% | -5.87% | -4.58% | -1.59% | -13.24% | -13.97% | -19.02% | -1,444 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.20% | 17.13% | 6.35% | 8.71% | 17.13% | 13.02% | 13.34% | 16.09% | +737 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 | 2.17% | 2.42% | 2.52% | 2.77% | 3.01% | 3.83% | 4.91% | 5.14% | +237 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.48% | 23.66% | 23.32% | 23.54% | 23.72% | 26.20% | 25.70% | 27.14% | +359 bps | |
| Net Worth / Assets | 23.48% | 23.66% | 23.32% | 23.54% | 23.72% | 26.20% | 25.70% | 27.14% | +359 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.08% | 63.47% | 60.15% | 54.89% | 51.32% | 46.15% | 35.85% | 36.55% | -1,834 bps | |
| Liquid Assets / Assets | 45.65% | 50.81% | 53.22% | 57.37% | 60.25% | 65.29% | 72.70% | 72.67% | +1,530 bps | |