Bloomington, IL · Charter 65758
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.84% | -1.19% | -1.58% | -4.67% | -1.91% | -1.92% | -1.79% | -0.74% | +393 bps | |
| Return on Equity | -34.72% | -13.56% | -19.84% | -65.36% | -26.82% | -28.00% | -28.14% | -11.74% | +5,361 bps | |
| Net Interest Margin | 4.19% | 4.47% | 4.36% | 4.17% | 3.96% | 4.14% | 4.16% | 4.73% | +55 bps | |
| Efficiency Ratio | 117.62% | 100.59% | 111.12% | 120.04% | 95.24% | 105.54% | 110.26% | 101.29% | -1,874 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.20% | -13.35% | -17.57% | -17.35% | -2.02% | -4.33% | -2.69% | -0.73% | +1,663 bps | |
| Loan Growth (YoY) | -13.40% | -12.96% | -12.85% | -16.79% | -13.11% | -7.66% | 3.42% | 6.43% | +2,322 bps | |
| Share Growth (YoY) | -12.18% | -22.98% | -25.55% | -16.67% | 1.65% | 9.25% | 9.66% | 0.42% | +1,710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.53% | 4.06% | 4.13% | 0.76% | 1.72% | 0.15% | 0.01% | 0.16% | -61 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 | 3.24% | 3.33% | 2.74% | 1.83% | 2.19% | 1.49% | 1.34% | 1.78% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.17% | 8.76% | 7.95% | 7.15% | 7.12% | 6.87% | 6.35% | 6.33% | -82 bps | |
| Net Worth / Assets | 8.17% | 8.76% | 7.95% | 7.15% | 7.12% | 6.87% | 6.35% | 6.33% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.33% | 76.93% | 70.79% | 61.39% | 60.97% | 65.02% | 66.77% | 65.06% | +367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |