Riverdale, IL · Charter 68178
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Riverdale, IL · Charter 68178
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.09% | -0.43% | 0.02% | -0.49% | -0.27% | -0.13% | -0.91% | -93 bps | |
| Return on Equity | -1.27% | -0.82% | -4.40% | 0.23% | -4.91% | -2.72% | -1.18% | -8.10% | -832 bps | |
| Net Interest Margin | 2.62% | 2.57% | 2.41% | 3.04% | 2.54% | 2.72% | 2.83% | 3.45% | +41 bps | |
| Efficiency Ratio | 104.68% | 103.15% | 112.83% | 95.59% | 113.89% | 104.92% | 99.53% | 79.82% | -1,577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.00% | -10.86% | -6.01% | -2.03% | -0.21% | -1.52% | -10.27% | -16.06% | -1,403 bps | |
| Loan Growth (YoY) | 13.79% | 0.24% | 10.28% | 15.55% | 14.63% | 16.60% | 8.83% | 6.54% | -901 bps | |
| Share Growth (YoY) | -10.52% | -12.86% | -13.56% | -11.64% | -9.34% | -6.47% | -7.73% | -6.34% | +531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 1.09% | 2.83% | 1.97% | 2.52% | 1.59% | 4.04% | 1.04% | -93 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 | 0.82% | 0.90% | 0.97% | 1.01% | 1.06% | 0.89% | 0.99% | 1.13% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.38% | 10.40% | 9.78% | 9.69% | 9.94% | 9.95% | 10.69% | 11.18% | +149 bps | |
| Net Worth / Assets | 10.38% | 10.40% | 9.78% | 9.69% | 9.94% | 9.95% | 10.69% | 11.18% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.91% | 46.59% | 51.63% | 54.04% | 55.52% | 58.08% | 60.90% | 61.47% | +743 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |