Collinsville, IL · Charter 65873
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Collinsville, IL · Charter 65873
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.06% | 0.14% | 0.19% | 0.12% | 0.03% | -1.14% | 1.68% | +149 bps | |
| Return on Equity | 6.96% | 0.78% | 1.84% | 2.67% | 1.66% | 0.35% | -18.10% | 20.96% | +1,829 bps | |
| Net Interest Margin | 3.42% | 3.41% | 3.32% | 3.01% | 3.00% | 3.04% | 3.17% | 4.21% | +120 bps | |
| Efficiency Ratio | 83.38% | 97.26% | 95.16% | 93.87% | 96.20% | 99.20% | 95.38% | 61.34% | -3,253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.40% | 1.86% | -2.44% | 4.74% | 6.53% | 7.50% | 2.08% | -4.13% | -888 bps | |
| Loan Growth (YoY) | 1.26% | 3.97% | -5.94% | 13.21% | 19.85% | 21.10% | 28.00% | 2.27% | -1,094 bps | |
| Share Growth (YoY) | 9.69% | 1.87% | -2.74% | 5.13% | 7.14% | 8.03% | 3.52% | -4.97% | -1,010 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.48% | 2.79% | 0.09% | 0.00% | 0.00% | 0.00% | 1.38% | 3.76% | +376 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 | 2.56% | 2.72% | 2.77% | 2.45% | 2.37% | 2.45% | 3.95% | 2.89% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.64% | 7.55% | 7.56% | 7.17% | 7.11% | 7.13% | 6.27% | 8.00% | +83 bps | |
| Net Worth / Assets | 7.64% | 7.55% | 7.56% | 7.17% | 7.11% | 7.13% | 6.27% | 8.00% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.56% | 69.11% | 68.79% | 72.25% | 76.69% | 77.46% | 85.06% | 77.75% | +550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |