Homewood, IL · Charter 95800
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | 0.06% | 0.10% | 0.96% | 0.03% | -1.68% | -2.96% | -30.59% | -3,155 bps | |
| Return on Equity | -14.48% | 0.63% | 1.03% | 9.67% | 0.35% | -19.18% | -41.48% | n/a | n/a | |
| Net Interest Margin | 4.17% | 4.31% | 4.60% | 4.49% | 4.51% | 4.28% | 3.70% | 3.71% | -78 bps | |
| Efficiency Ratio | 96.35% | 92.44% | 94.85% | 94.03% | 93.98% | 98.99% | 106.75% | 105.48% | +1,145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.54% | 2.64% | 0.81% | 4.58% | 3.96% | -1.33% | -1.13% | -7.47% | -1,205 bps | |
| Loan Growth (YoY) | -2.09% | 2.07% | 2.62% | 4.20% | -6.17% | -9.49% | -7.28% | -9.00% | -1,320 bps | |
| Share Growth (YoY) | 7.87% | 3.72% | 1.95% | 5.37% | 5.30% | -0.11% | 2.39% | 2.97% | -240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 2.30% | 0.57% | 0.61% | 1.86% | 8.57% | 14.59% | 16.19% | +1,557 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 | 2.47% | 2.41% | 2.02% | 1.68% | 2.30% | 4.09% | 5.87% | 18.04% | +1,636 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.03% | 9.77% | 9.95% | 9.96% | 9.78% | 8.74% | 7.14% | -0.22% | -1,018 bps | |
| Net Worth / Assets | 10.03% | 9.77% | 9.95% | 9.96% | 9.78% | 8.74% | 7.14% | -0.22% | -1,018 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.95% | 71.87% | 72.61% | 71.38% | 65.00% | 65.12% | 65.75% | 63.08% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |