Seaton, IL · Cert 11705
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Seaton, IL · Cert 11705
FDIC
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.16% | 0.88% | -2.09% | 0.68% | -1.31% | 0.48% | 0.09% | +218 bps | |
| Return on Equity | 19.08% | 14.27% | 10.57% | -26.17% | 10.48% | -21.26% | 7.58% | 1.40% | +2,757 bps | |
| Net Interest Margin | 3.43% | 3.42% | 3.41% | 3.29% | 2.87% | 2.78% | 3.01% | 0.50% | -279 bps | |
| Efficiency Ratio | 52.26% | 57.75% | 60.83% | 81.80% | 77.80% | 81.90% | 75.98% | 63.76% | -1,804 bps | |
| Non-Interest Burden | 1.68% | 1.84% | 1.99% | 2.70% | 2.15% | 2.23% | 2.21% | 0.33% | -237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.01% | -5.68% | -4.92% | -12.65% | -4.78% | -6.00% | -9.83% | -7.39% | +526 bps | |
| Loan Growth (YoY) | 23.97% | 5.28% | -1.00% | -5.46% | -5.39% | -8.46% | -6.92% | -19.83% | -1,436 bps | |
| Deposit Growth (YoY) | 8.74% | -3.80% | -4.49% | -13.10% | -8.69% | -5.85% | -8.88% | -10.95% | +215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.82% | 0.90% | 0.73% | 1.60% | 0.48% | 5.32% | 4.03% | 0.00% | -160 bps | |
| Allowance / Loans | 1.90% | 1.65% | 1.87% | 6.37% | 6.14% | 5.09% | 4.07% | 0.04% | -633 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.80% | 12.88% | 13.96% | 10.87% | 10.79% | 10.02% | 12.10% | 9.69% | -117 bps | |
| Equity / Assets | 8.18% | 8.54% | 8.91% | 6.53% | 6.36% | 5.57% | 7.15% | 7.74% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.90% | 80.14% | 75.96% | 80.21% | 78.64% | 77.93% | 77.59% | 72.21% | -800 bps | |
| Liquid Assets / Assets | 1.48% | 1.02% | 0.17% | 0.50% | 0.46% | 1.48% | 0.37% | 0.38% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |