Abingdon, IL · Charter 65918
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 | -0.05% | 0.17% | 0.01% | -0.46% | -0.03% | 0.43% | 0.55% | 0.97% | +144 bps | |
| Return on Equity | -0.52% | 1.53% | 0.07% | -5.41% | -0.37% | 3.73% | 4.77% | 9.20% | +1,461 bps | |
| Net Interest Margin | 3.56% | 3.71% | 3.52% | 2.32% | 2.87% | 3.68% | 3.89% | 4.21% | +189 bps | |
| Efficiency Ratio | 101.48% | 95.66% | 99.79% | 119.07% | 101.11% | 89.33% | 87.10% | 78.19% | -4,088 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.39% | 8.68% | 9.05% | 22.53% | 14.18% | -3.61% | -3.80% | -11.37% | -3,390 bps | |
| Loan Growth (YoY) | -12.70% | -15.82% | -6.05% | -4.42% | 2.03% | 3.57% | 11.54% | 11.87% | +1,629 bps | |
| Share Growth (YoY) | -6.26% | 9.44% | 10.02% | 25.68% | 16.26% | -3.97% | -5.17% | -12.91% | -3,860 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.97% | 4.03% | 13.74% | 12.86% | 11.78% | 10.86% | 6.17% | 5.11% | -775 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 | 7.29% | 8.04% | 7.21% | 7.88% | 8.08% | 6.79% | 5.34% | 5.90% | -197 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.56% | 10.89% | 10.56% | 8.59% | 9.26% | 11.50% | 11.53% | 10.55% | +197 bps | |
| Net Worth / Assets | 10.56% | 10.89% | 10.56% | 8.59% | 9.26% | 11.50% | 11.53% | 10.55% | +197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.77% | 87.47% | 85.15% | 68.61% | 77.91% | 94.34% | 100.16% | 88.13% | +1,953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |