Oakwood, IL · Cert 11724
FDIC · 2 branches
Q1 2015
Market Position · Danville, IL · 2014 SOD (annual) · 3.8% share · #7 of 16 inst. · $0.0B of $1.1B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.62% | 0.67% | 0.38% | 0.51% | 0.52% | 0.53% | 0.50% | +12 bps | |
| Return on Equity | 7.57% | 6.39% | 6.94% | 4.19% | 5.69% | 5.77% | 5.89% | 5.62% | +142 bps | |
| Net Interest Margin | 3.43% | 3.41% | 3.38% | 3.04% | 2.87% | 2.98% | 3.02% | 2.77% | -27 bps | |
| Efficiency Ratio | 80.62% | 83.92% | 82.75% | 88.68% | 85.25% | 85.05% | 84.78% | 84.51% | -417 bps | |
| Non-Interest Burden | 2.67% | 2.78% | 2.71% | 2.66% | 2.38% | 2.47% | 2.49% | 2.28% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.44% | -4.08% | 1.17% | 11.71% | 11.10% | 7.01% | 7.19% | 1.35% | -1,036 bps | |
| Loan Growth (YoY) | -0.99% | -3.53% | -3.51% | -5.83% | -3.09% | -1.85% | -3.11% | -6.77% | -93 bps | |
| Deposit Growth (YoY) | -14.67% | -7.85% | 3.57% | 13.03% | 12.16% | 11.49% | 7.97% | 1.00% | -1,203 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 | 0.07% | 0.04% | 0.03% | 0.08% | 0.05% | 0.03% | 0.03% | 0.00% | -8 bps | |
| Allowance / Loans | 0.99% | 0.98% | 1.00% | 1.01% | 1.00% | 0.98% | 1.00% | 1.08% | +7 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 | 8.72% | n/a | n/a |
| Total Risk-Based Capital | 15.66% | 15.42% | 15.78% | 15.13% | 15.25% | 15.39% | 15.93% | 16.67% | +154 bps | |
| Equity / Assets | 9.56% | 9.64% | 9.67% | 8.54% | 8.71% | 9.08% | 9.03% | 8.64% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.03% | 77.08% | 72.18% | 62.06% | 63.11% | 67.86% | 64.77% | 57.29% | -477 bps | |
| Liquid Assets / Assets | 27.66% | 26.05% | 25.55% | 26.99% | 29.22% | 34.05% | 36.83% | 43.06% | +1,607 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |