Wood River, IL · Charter 65641
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Wood River, IL · Charter 65641
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.24% | 0.13% | 0.33% | 0.37% | -4.69% | -0.52% | -1.06% | -139 bps | |
| Return on Equity | -6.84% | -3.23% | 1.66% | 3.81% | 4.05% | -62.18% | -6.30% | -12.72% | -1,653 bps | |
| Net Interest Margin | 4.43% | 3.98% | 4.20% | 4.52% | 4.62% | 4.95% | 4.58% | 4.73% | +22 bps | |
| Efficiency Ratio | 97.47% | 103.96% | 97.56% | 93.90% | 91.91% | 112.46% | 94.67% | 96.50% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 0.75% | -1.89% | -1.87% | -5.67% | -10.49% | -8.87% | -6.22% | -435 bps | |
| Loan Growth (YoY) | -5.92% | -6.90% | -8.62% | -10.42% | -12.01% | -7.46% | -4.59% | -7.54% | +287 bps | |
| Share Growth (YoY) | 5.81% | 1.84% | -1.56% | -2.43% | -6.79% | -11.13% | -9.89% | -6.36% | -393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.38% | 0.23% | 0.24% | 0.43% | 0.26% | 0.81% | 0.30% | +5 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 | 1.47% | 1.44% | 1.26% | 1.14% | 1.57% | 1.46% | 1.49% | 1.37% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.01% | 7.36% | 7.61% | 8.62% | 9.07% | 7.54% | 8.31% | 8.35% | -26 bps | |
| Net Worth / Assets | 8.01% | 7.36% | 7.61% | 8.62% | 9.07% | 7.54% | 8.31% | 8.35% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.31% | 66.34% | 65.90% | 71.85% | 72.98% | 69.08% | 69.78% | 70.94% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |