Elgin, IL · Charter 81092
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Elgin, IL · Charter 81092
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.40% | -1.15% | -0.85% | -2.45% | -2.49% | -2.05% | -3.63% | -278 bps | |
| Return on Equity | 3.74% | 3.28% | -11.78% | -8.93% | -29.91% | -33.72% | -28.29% | -64.15% | -5,521 bps | |
| Net Interest Margin | 5.55% | 6.02% | 4.36% | 4.11% | 3.93% | 4.08% | 4.96% | 5.12% | +101 bps | |
| Efficiency Ratio | 74.24% | 74.58% | 82.95% | 79.96% | 89.97% | 91.37% | 91.35% | 82.87% | +290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.74% | 4.94% | 22.21% | 17.88% | 21.65% | 22.11% | -3.10% | -11.49% | -2,938 bps | |
| Loan Growth (YoY) | 5.63% | 5.31% | 5.43% | 5.80% | 2.53% | 0.88% | 1.22% | -6.76% | -1,256 bps | |
| Share Growth (YoY) | 19.81% | 14.97% | 33.40% | 19.94% | 27.08% | 35.70% | -0.47% | -11.70% | -3,164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.99% | 5.12% | 3.48% | 5.26% | 3.83% | 2.48% | 1.68% | 25.14% | +1,988 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 | 1.17% | 1.45% | 1.61% | 1.64% | 1.24% | 1.43% | 2.02% | 3.21% | +157 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.92% | 12.04% | 9.77% | 9.55% | 8.20% | 7.38% | 7.25% | 5.66% | -389 bps | |
| Net Worth / Assets | 11.92% | 12.04% | 9.77% | 9.55% | 8.20% | 7.38% | 7.25% | 5.66% | -389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.70% | 110.44% | 85.08% | 85.40% | 82.86% | 82.11% | 86.53% | 90.17% | +478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |