Woodstock, IL · Charter 14274
Q1 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 0.40% | 0.39% | 0.39% | 0.06% | 0.27% | 0.43% | 0.43% | -7.77% | -783 bps | |
| Return on Equity | 5.75% | 4.84% | 4.91% | 0.80% | 3.32% | 5.08% | 5.27% | -133.20% | -13,400 bps | |
| Net Interest Margin | 2.74% | 3.17% | 3.10% | 2.81% | 2.87% | 2.94% | 2.85% | 2.61% | -20 bps | |
| Efficiency Ratio | 85.82% | 86.34% | 86.79% | 91.76% | 89.01% | 86.93% | 87.11% | 315% | +22,329 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | -7.42% | -9.31% | -9.42% | -9.84% | 1.29% | 2.42% | 2.81% | +1,223 bps | |
| Loan Growth (YoY) | -3.74% | -2.27% | -0.61% | 3.01% | 2.07% | -2.94% | -4.20% | -4.90% | -791 bps | |
| Share Growth (YoY) | 5.06% | -8.35% | -10.32% | -10.33% | -10.65% | 1.22% | 2.23% | 3.03% | +1,336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.29% | 1.13% | 0.43% | 1.45% | 1.42% | 1.87% | 0.91% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.68% | 1.77% | 1.95% | 2.01% | 2.04% | 1.89% | 1.57% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.94% | 8.05% | 8.00% | 7.59% | 8.00% | 8.37% | 8.24% | 5.84% | -176 bps | |
| Net Worth / Assets | 6.94% | 8.05% | 8.00% | 7.59% | 8.00% | 8.37% | 8.24% | 5.84% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.20% | 58.93% | 57.38% | 53.96% | 56.21% | 56.51% | 53.77% | 49.81% | -415 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |