Huntley, IL · Charter 81311
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Huntley, IL · Charter 81311
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.07% | 0.09% | 0.10% | -0.63% | -2.95% | -2.83% | -6.40% | -650 bps | |
| Return on Equity | 0.23% | 0.21% | 0.27% | 0.26% | -1.70% | -7.85% | -7.28% | -16.96% | -1,723 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.18% | 3.41% | 3.86% | 3.62% | 3.69% | 4.02% | +61 bps | |
| Efficiency Ratio | 97.75% | 97.89% | 97.14% | 97.14% | 58.17% | 58.72% | 59.94% | 77.71% | -1,943 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.19% | -8.60% | -9.51% | -16.17% | -16.69% | -18.97% | -19.12% | -16.76% | -59 bps | |
| Loan Growth (YoY) | -7.09% | -16.23% | -16.71% | -24.26% | -32.29% | -34.55% | -41.57% | -46.19% | -2,193 bps | |
| Share Growth (YoY) | -15.45% | -12.16% | -13.68% | -23.46% | -23.98% | -26.13% | -26.07% | -18.64% | +482 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.83% | 2.02% | 3.31% | 1.30% | 3.18% | 7.61% | 5.09% | +178 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 | 0.99% | 1.01% | 1.03% | 0.98% | 0.48% | 1.21% | 1.42% | 10.29% | +931 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.68% | 31.60% | 33.17% | 36.75% | 36.75% | 37.59% | 38.91% | 37.75% | +100 bps | |
| Net Worth / Assets | 30.68% | 31.60% | 33.17% | 36.75% | 36.75% | 37.59% | 38.91% | 37.75% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.79% | 84.55% | 89.63% | 95.03% | 82.65% | 74.91% | 70.83% | 62.85% | -3,218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |