Rockford, IL · Charter 65554
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.24% | 0.18% | -0.49% | -3.06% | -1.74% | -1.45% | -1.68% | -119 bps | |
| Return on Equity | -0.73% | -2.10% | 1.56% | -4.39% | -27.76% | -14.86% | -12.19% | -13.51% | -912 bps | |
| Net Interest Margin | 4.29% | 4.32% | 4.16% | 4.05% | 4.13% | 4.25% | 4.17% | 4.36% | +31 bps | |
| Efficiency Ratio | 87.68% | 105.00% | 96.03% | 107.69% | 110.79% | 108.05% | 111.46% | 119.86% | +1,217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.37% | 1.42% | 2.12% | 2.41% | -8.34% | -13.58% | -18.65% | -23.07% | -2,549 bps | |
| Loan Growth (YoY) | -4.01% | -10.09% | 1.33% | -13.94% | -30.07% | -36.70% | -46.14% | -45.47% | -3,152 bps | |
| Share Growth (YoY) | 1.36% | 1.82% | 1.90% | 3.13% | -7.66% | -13.97% | -19.34% | -24.19% | -2,732 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 2.71% | 4.30% | 10.07% | 5.13% | 4.76% | 10.84% | 4.94% | -513 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 | 1.28% | 1.35% | 0.84% | 0.95% | 2.44% | 2.84% | 3.20% | 3.57% | +262 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.65% | 11.58% | 11.27% | 11.19% | 11.01% | 11.74% | 11.90% | 12.46% | +127 bps | |
| Net Worth / Assets | 11.65% | 11.58% | 11.27% | 11.19% | 11.01% | 11.74% | 11.90% | 12.46% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.07% | 73.66% | 74.29% | 67.76% | 58.37% | 54.20% | 49.61% | 48.75% | -1,902 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |