Flossmoor, IL · Charter 68245
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -3.20% | -0.68% | -1.26% | -3.48% | -3.44% | -1.34% | -5.72% | -446 bps | |
| Return on Equity | 1.24% | -28.03% | -5.92% | -10.86% | -39.30% | -44.37% | -17.65% | -101.02% | -9,017 bps | |
| Net Interest Margin | 4.46% | 4.01% | 3.84% | 4.19% | 4.17% | 4.07% | 3.92% | 3.82% | -37 bps | |
| Efficiency Ratio | 85.62% | 92.97% | 76.06% | 85.05% | 96.72% | 90.05% | 92.15% | 98.81% | +1,376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 10.33% | 12.98% | 5.49% | 2.55% | 1.62% | -1.73% | 4.16% | -132 bps | |
| Loan Growth (YoY) | -1.16% | -1.37% | -1.19% | -2.73% | -1.35% | -4.32% | -11.95% | -14.97% | -1,223 bps | |
| Share Growth (YoY) | 11.81% | 16.95% | 15.15% | 7.30% | 6.71% | 6.08% | 2.37% | 11.44% | +414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 2.78% | 3.25% | 4.18% | 5.37% | 5.15% | 4.43% | 3.01% | -117 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 | 1.09% | 1.22% | 1.58% | 1.90% | 4.41% | 4.68% | 2.35% | 4.28% | +239 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.66% | 11.41% | 11.40% | 11.58% | 8.86% | 7.76% | 7.57% | 5.66% | -592 bps | |
| Net Worth / Assets | 12.66% | 11.41% | 11.40% | 11.58% | 8.86% | 7.76% | 7.57% | 5.66% | -592 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.90% | 86.79% | 84.21% | 90.12% | 85.88% | 78.28% | 72.43% | 68.77% | -2,136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |