Decatur, IL · Charter 11622
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 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.
Decatur, IL · Charter 11622
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.68% | 0.46% | 0.02% | -0.06% | -0.12% | -14.24% | -7.68% | -770 bps | |
| Return on Equity | 9.41% | 11.44% | 8.16% | 0.46% | -1.06% | -2.31% | -808% | -426% | -42,647 bps | |
| Net Interest Margin | 4.32% | 4.04% | 3.65% | 3.59% | 3.84% | 3.70% | 3.41% | 3.54% | -6 bps | |
| Efficiency Ratio | 83.59% | 82.96% | 90.55% | 91.07% | 90.74% | 89.57% | 144.42% | 118.04% | +2,697 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.17% | 4.87% | 6.97% | 9.64% | 11.48% | 7.13% | 0.77% | -6.35% | -1,599 bps | |
| Loan Growth (YoY) | -0.08% | -2.83% | -2.69% | 1.87% | 6.52% | 8.96% | 1.92% | -10.81% | -1,268 bps | |
| Share Growth (YoY) | -3.38% | 6.43% | 6.70% | 9.87% | 11.81% | 7.64% | 4.93% | -2.83% | -1,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.16% | 0.92% | 1.34% | 1.30% | 7.48% | 1.64% | 1.19% | -16 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 | 0.50% | 0.62% | 0.69% | 0.65% | 0.45% | 0.93% | 0.81% | 0.86% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.06% | 5.92% | 5.63% | 5.42% | 5.66% | 5.40% | 1.76% | 1.80% | -362 bps | |
| Net Worth / Assets | 6.06% | 5.92% | 5.63% | 5.42% | 5.66% | 5.40% | 1.76% | 1.80% | -362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.96% | 58.30% | 52.11% | 55.74% | 59.98% | 59.02% | 50.61% | 51.16% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.99% | 0.00% | 0.00% | 0 bps | |