Lincoln, IL · Charter 65836
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 3.50% | -1.66% | 0.38% | -5.31% | -6.23% | -3.24% | -3.41% | -378 bps | |
| Return on Equity | 7.41% | 14.89% | -6.59% | 1.52% | -23.85% | -32.42% | -18.29% | -22.52% | -2,404 bps | |
| Net Interest Margin | 7.72% | 7.34% | 8.19% | 7.99% | 6.64% | 6.36% | 5.75% | 6.87% | -112 bps | |
| Efficiency Ratio | 70.46% | 45.05% | 72.72% | 55.39% | 103.74% | 113.94% | 100.02% | 106.22% | +5,082 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.80% | -6.36% | -14.39% | -11.85% | -6.32% | -14.24% | 7.44% | -8.44% | +341 bps | |
| Loan Growth (YoY) | -11.69% | -17.35% | -24.29% | -23.21% | -27.02% | -25.74% | -13.82% | -17.27% | +594 bps | |
| Share Growth (YoY) | -14.70% | -2.68% | 1.95% | 7.86% | 11.09% | -1.16% | 10.43% | 3.58% | -428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.54% | 5.41% | 6.53% | 6.93% | 7.64% | 11.37% | 3.62% | 6.48% | -44 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 | 2.87% | 2.03% | 3.19% | 3.71% | 4.59% | 7.63% | 6.74% | 3.89% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.17% | 23.48% | 25.23% | 24.84% | 22.24% | 19.21% | 17.73% | 15.13% | -971 bps | |
| Net Worth / Assets | 24.17% | 23.48% | 25.23% | 24.84% | 22.24% | 19.21% | 17.73% | 15.13% | -971 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 122.00% | 101.94% | 101.76% | 100.64% | 80.15% | 76.59% | 79.41% | 80.38% | -2,026 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |