Alton, IL · Charter 65933
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | 0.02% | -0.19% | -0.49% | -0.07% | -0.04% | -0.11% | -1.99% | -150 bps | |
| Return on Equity | -2.65% | 0.38% | -3.77% | -12.09% | -1.51% | -1.09% | -1.68% | -36.88% | -2,479 bps | |
| Net Interest Margin | 2.43% | 1.31% | 1.16% | 1.63% | 1.79% | 1.35% | 2.29% | 0.73% | -90 bps | |
| Efficiency Ratio | 108.96% | 98.37% | 118.63% | 129.19% | 103.91% | 103.04% | 104.76% | 205% | +7,534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.17% | 28.84% | 68.23% | 58.21% | 33.39% | 36.69% | -27.25% | -31.96% | -9,018 bps | |
| Loan Growth (YoY) | -13.08% | -25.88% | -20.60% | -14.20% | -15.53% | -8.67% | -13.11% | -23.62% | -942 bps | |
| Share Growth (YoY) | 23.37% | 31.40% | 75.37% | 63.39% | 36.49% | 39.35% | -28.46% | -32.91% | -9,630 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.87% | 5.71% | 12.00% | 6.47% | 7.08% | 12.30% | 11.65% | 7.95% | +148 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 | 3.54% | 3.97% | 4.05% | 3.59% | 3.75% | 3.86% | 4.15% | 6.43% | +285 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.79% | 5.64% | 4.94% | 4.05% | 4.62% | 3.80% | 6.51% | 5.39% | +134 bps | |
| Net Worth / Assets | 6.79% | 5.64% | 4.94% | 4.05% | 4.62% | 3.80% | 6.51% | 5.39% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.84% | 21.24% | 18.63% | 16.35% | 17.85% | 13.92% | 22.63% | 18.61% | +226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |