Kent, IL · Cert 12704
FDIC · 2 branches
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.41% | -2.99% | 0.40% | 0.06% | -0.20% | -0.01% | -1.00% | 1.00% | +94 bps | |
| Return on Equity | -13.19% | -27.87% | 3.57% | 0.54% | -1.91% | -0.09% | -8.89% | 8.80% | +826 bps | |
| Net Interest Margin | 2.57% | 2.60% | 2.80% | 2.72% | 2.97% | 2.78% | 2.92% | 2.86% | +14 bps | |
| Efficiency Ratio | 173.08% | 229% | 67.50% | 83.77% | 96.19% | 86.74% | 158.96% | 69.02% | -1,476 bps | |
| Non-Interest Burden | 3.73% | 3.99% | 1.71% | 2.16% | 2.87% | 2.37% | 4.05% | 1.83% | -34 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 | 0.15% | 2.16% | 2.20% | 0.52% | 0.94% | 1.00% | -0.56% | 0.39% | -14 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 |