Springfield, IL · Charter 65617
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.
Springfield, IL · Charter 65617
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 | 0.77% | 0.54% | 0.52% | 0.24% | -0.05% | 0.21% | 0.13% | -2.45% | -268 bps | |
| Return on Equity | 6.48% | 5.21% | 4.30% | 2.22% | -0.45% | 1.89% | 1.06% | -25.07% | -2,728 bps | |
| Net Interest Margin | 4.03% | 3.51% | 3.97% | 3.38% | 3.65% | 3.71% | 3.93% | 2.83% | -55 bps | |
| Efficiency Ratio | 82.73% | 83.64% | 86.43% | 91.36% | 91.28% | 88.83% | 92.33% | 84.13% | -724 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.92% | 8.12% | 1.45% | 5.94% | 8.47% | -4.92% | 1.54% | 3.17% | -278 bps | |
| Loan Growth (YoY) | 15.78% | 46.96% | 45.22% | 30.51% | 20.27% | -16.29% | -23.42% | -23.21% | -5,371 bps | |
| Share Growth (YoY) | -5.48% | -0.22% | 1.10% | 6.08% | 9.21% | 2.03% | 1.62% | 4.29% | -179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 1.43% | 0.56% | 0.79% | 0.95% | 1.33% | 3.30% | 1.99% | +120 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 | 1.57% | 1.31% | 0.86% | 0.98% | 1.36% | 1.44% | 1.56% | 1.20% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 10.46% | 12.12% | 10.61% | 11.00% | 11.21% | 12.07% | 9.76% | -85 bps | |
| Net Worth / Assets | 11.83% | 10.46% | 12.12% | 10.61% | 11.00% | 11.21% | 12.07% | 9.76% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.54% | 74.67% | 81.45% | 64.59% | 64.47% | 61.26% | 61.38% | 47.56% | -1,703 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |