Kent, IL · Cert 12704
FDIC · 2 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 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.
Kent, IL · Cert 12704
FDIC · 2 branches
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -2.99% | -1.32% | -0.88% | -0.70% | -0.01% | -0.48% | 0.00% | +87 bps | |
| Return on Equity | 0.76% | -27.87% | -12.13% | -7.95% | -6.47% | -0.09% | -4.49% | -0.04% | +791 bps | |
| Net Interest Margin | 2.79% | 2.60% | 2.73% | 2.76% | 2.84% | 2.78% | 2.83% | 2.90% | +14 bps | |
| Efficiency Ratio | 89.34% | 229% | 107.85% | 97.49% | 97.16% | 86.74% | 114.57% | 96.58% | -92 bps | |
| Non-Interest Burden | 2.50% | 3.99% | 2.90% | 2.70% | 2.76% | 2.37% | 3.19% | 2.81% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | -3.98% | -5.20% | -9.68% | 0.68% | -4.58% | -2.89% | -2.70% | +698 bps | |
| Loan Growth (YoY) | -14.85% | 3.47% | 2.54% | -8.16% | -8.26% | -12.75% | -12.47% | -14.25% | -610 bps | |
| Deposit Growth (YoY) | 8.27% | -2.96% | -3.93% | -8.65% | -3.25% | -5.13% | -5.31% | -2.89% | +575 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 | 0.78% | 2.16% | 2.21% | 1.80% | 1.62% | 1.00% | 0.23% | 0.30% | -150 bps | |
| Allowance / Loans | 1.07% | 1.28% | 1.14% | 1.26% | 1.24% | 1.21% | 1.38% | 1.45% | +19 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 | 17.86% | 17.77% | 18.05% | 19.37% | 16.11% | 20.10% | 20.28% | 22.36% | +299 bps | |
| Equity / Assets | 10.26% | 11.25% | 11.27% | 11.47% | 9.82% | 11.39% | 11.08% | 11.76% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.74% | 61.98% | 60.42% | 57.19% | 50.96% | 57.01% | 55.85% | 50.50% | -669 bps | |
| Liquid Assets / Assets | 5.88% | 0.00% | 3.71% | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |