Caseyville, IL · Charter 68489
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Caseyville, IL · Charter 68489
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | -2.64% | -1.43% | -2.04% | -3.40% | 0.84% | 0.77% | 0.81% | +285 bps | |
| Return on Equity | -9.78% | -32.37% | -17.52% | -24.41% | -49.49% | 12.30% | 10.04% | 9.15% | +3,356 bps | |
| Net Interest Margin | 3.82% | 3.48% | 3.72% | 4.25% | 4.07% | 4.55% | 5.02% | 5.40% | +115 bps | |
| Efficiency Ratio | 105.96% | 109.06% | 104.43% | 102.58% | 110.46% | 84.23% | 87.16% | 88.05% | -1,453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 5.04% | 1.35% | -5.44% | -12.57% | -10.56% | -18.06% | -19.83% | -1,439 bps | |
| Loan Growth (YoY) | -19.12% | -16.92% | -16.53% | -17.85% | -19.52% | -21.59% | -18.40% | -16.80% | +105 bps | |
| Share Growth (YoY) | 8.05% | 6.76% | 2.63% | -4.26% | -10.63% | -9.35% | -17.73% | -20.65% | -1,638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.65% | 5.65% | 5.07% | 1.64% | 0.28% | 0.54% | 2.58% | 2.46% | +82 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 | 2.33% | 2.93% | 2.68% | 1.70% | 2.94% | 3.27% | 3.54% | 3.23% | +153 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.97% | 8.15% | 8.18% | 8.36% | 6.86% | 6.80% | 7.63% | 8.83% | +48 bps | |
| Net Worth / Assets | 8.97% | 8.15% | 8.18% | 8.36% | 6.86% | 6.80% | 7.63% | 8.83% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.31% | 52.43% | 50.01% | 52.57% | 50.71% | 45.35% | 49.60% | 55.12% | +255 bps | |
| Liquid Assets / Assets | 40.02% | 43.78% | 43.84% | 42.03% | 43.56% | 145.62% | 0.00% | 0.00% | -4,203 bps | |