Mt. Zion, IL · Charter 81572
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.14% | -4.16% | -3.64% | -2.35% | -1.28% | -0.83% | -4.24% | -6.79% | -443 bps | |
| Return on Equity | -48.56% | -30.85% | -25.94% | -18.33% | -9.49% | -5.94% | -35.50% | -65.12% | -4,680 bps | |
| Net Interest Margin | 6.26% | 6.70% | 7.10% | 6.50% | 6.59% | 6.93% | 7.57% | 6.46% | -4 bps | |
| Efficiency Ratio | 106.01% | 101.54% | 105.56% | 135.53% | 119.02% | 110.08% | 106.80% | 162.48% | +2,695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.32% | -7.85% | -10.51% | -5.39% | -11.55% | -9.28% | -13.27% | -18.18% | -1,279 bps | |
| Loan Growth (YoY) | -11.57% | -9.43% | -9.59% | -5.64% | -8.76% | -1.55% | -13.44% | -11.81% | -617 bps | |
| Share Growth (YoY) | -7.14% | -6.29% | -8.58% | -5.33% | -12.14% | -9.58% | -11.02% | -15.90% | -1,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.18% | 2.00% | 5.29% | 8.24% | 12.61% | 8.32% | 5.93% | 4.78% | -346 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 | 5.95% | 5.91% | 3.88% | 4.40% | 3.20% | 3.04% | 4.51% | 5.93% | +153 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.65% | 13.49% | 14.02% | 12.84% | 13.47% | 13.92% | 11.93% | 10.42% | -242 bps | |
| Net Worth / Assets | 12.65% | 13.49% | 14.02% | 12.84% | 13.47% | 13.92% | 11.93% | 10.42% | -242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.56% | 95.78% | 99.50% | 85.22% | 90.92% | 104.29% | 96.79% | 89.37% | +415 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |