Varna, IL · Cert 12089
FDIC · 2 branches
Q2 2014
Market Position · Peoria, IL · 2014 SOD (annual) · 0.4% share · #33 of 42 inst. · $0.0B of $6.9B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.14% | -4.26% | -3.23% | -3.10% | -4.24% | -1.82% | -2.15% | +107 bps | |
| Return on Equity | 2.83% | 1.06% | -40.60% | -31.11% | -30.19% | -41.28% | -17.99% | -21.91% | +920 bps | |
| Net Interest Margin | 2.98% | 3.03% | 2.32% | 2.87% | 3.01% | 3.19% | 3.27% | 3.28% | +41 bps | |
| Efficiency Ratio | 90.73% | 95.30% | 83.80% | 109.36% | 122.41% | 141.26% | 154.01% | 164.23% | +5,487 bps | |
| Non-Interest Burden | 2.65% | 2.93% | 6.27% | 6.34% | 6.14% | 7.27% | 5.06% | 5.49% | -84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 7.86% | 21.99% | 6.33% | 15.98% | 0.23% | -29.45% | -10.43% | -1,677 bps | |
| Loan Growth (YoY) | 40.21% | 28.72% | 28.84% | 21.48% | 11.06% | 5.16% | -8.04% | -11.68% | -3,316 bps | |
| Deposit Growth (YoY) | 0.22% | 8.75% | 25.44% | 11.49% | 22.95% | 4.06% | -29.41% | -9.53% | -2,102 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 | -0.10% | -0.11% | 1.22% | 0.76% | 0.57% | 0.54% | 0.00% | 0.18% | -59 bps | |
| Allowance / Loans | 1.77% | 1.61% | 1.26% | 1.16% | 1.45% | 1.68% | 1.87% | 1.82% | +66 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 | 24.88% | 18.08% | 16.49% | 17.14% | 18.28% | 17.43% | 17.88% | 16.66% | -48 bps | |
| Equity / Assets | 13.38% | 13.16% | 8.58% | 10.12% | 9.94% | 10.24% | 10.00% | 9.25% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.45% | 85.42% | 60.51% | 77.26% | 69.96% | 86.33% | 78.83% | 75.43% | -184 bps | |
| Liquid Assets / Assets | 16.96% | 8.26% | 5.94% | 10.31% | 8.69% | 9.11% | 7.52% | 5.30% | -501 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |