Whiting, IN · Charter 1062
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Whiting, IN · Charter 1062
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.02% | -1.91% | -1.04% | -0.64% | -2.51% | -4.27% | -2.55% | -4.15% | -351 bps | |
| Return on Equity | -66.00% | -30.26% | -16.02% | -9.54% | -40.50% | -89.36% | -47.81% | -111.80% | -10,226 bps | |
| Net Interest Margin | 6.67% | 6.75% | 6.93% | 7.14% | 6.28% | 6.44% | 7.01% | 7.48% | +34 bps | |
| Efficiency Ratio | 99.97% | 98.05% | 95.75% | 93.43% | 112.00% | 101.66% | 95.62% | 118.27% | +2,484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | -0.12% | 4.28% | -1.97% | -5.09% | -4.14% | -8.56% | -14.77% | -1,280 bps | |
| Loan Growth (YoY) | 1.87% | 2.59% | 7.18% | 0.78% | -0.12% | -8.30% | -14.60% | -15.37% | -1,615 bps | |
| Share Growth (YoY) | 6.14% | 0.62% | 5.14% | -1.60% | -5.19% | -2.58% | -7.37% | -12.77% | -1,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.04% | 5.16% | 10.91% | 8.86% | 14.62% | 13.49% | 12.10% | 11.39% | +253 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 | 0.33% | 0.34% | 0.33% | 0.29% | 0.71% | 1.15% | 1.21% | 0.60% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.09% | 6.31% | 6.49% | 6.71% | 6.20% | 4.78% | 5.34% | 3.71% | -299 bps | |
| Net Worth / Assets | 6.09% | 6.31% | 6.49% | 6.71% | 6.20% | 4.78% | 5.34% | 3.71% | -299 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.05% | 97.76% | 100.82% | 99.61% | 99.08% | 92.02% | 92.95% | 96.64% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |