Elkhart, IN · Charter 14543
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.13% | -0.07% | 0.01% | 0.13% | 0.15% | 0.17% | -0.08% | -9 bps | |
| Return on Equity | -0.40% | -1.55% | -0.81% | 0.13% | 1.53% | 1.68% | 1.93% | -0.54% | -67 bps | |
| Net Interest Margin | 2.66% | 2.71% | 2.77% | 2.72% | 2.47% | 2.49% | 2.54% | 4.02% | +130 bps | |
| Efficiency Ratio | 92.04% | 94.63% | 93.19% | 91.83% | 94.64% | 94.54% | 94.03% | 99.95% | +811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | -3.93% | -1.90% | 2.21% | 1.19% | -0.19% | -1.76% | -39.24% | -4,145 bps | |
| Loan Growth (YoY) | -2.66% | 1.40% | -0.52% | -2.55% | -6.44% | -13.38% | -13.26% | -36.57% | -3,402 bps | |
| Share Growth (YoY) | -3.22% | -3.91% | -2.18% | 2.36% | 1.36% | -0.46% | -2.11% | -43.38% | -4,574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 2.49% | 2.63% | 4.11% | 2.92% | 5.93% | 5.85% | 8.29% | +417 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% | 1.66% | 1.86% | 1.98% | 2.03% | 2.05% | 2.08% | 2.62% | +65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.44% | 8.53% | 8.74% | 8.71% | 8.39% | 8.69% | 9.02% | 14.26% | +555 bps | |
| Net Worth / Assets | 8.44% | 8.53% | 8.74% | 8.71% | 8.39% | 8.69% | 9.02% | 14.26% | +555 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.57% | 56.21% | 55.85% | 54.06% | 49.45% | 48.91% | 49.49% | 60.56% | +650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |