Morrison, IL · Charter 15401
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 | -0.99% | -0.40% | -0.45% | -0.35% | 0.29% | 0.17% | 0.75% | 0.57% | +92 bps | |
| Return on Equity | -8.14% | -3.41% | -3.96% | -3.14% | 2.93% | 1.56% | 6.62% | 5.22% | +836 bps | |
| Net Interest Margin | 2.80% | 2.76% | 2.98% | 2.98% | 2.74% | 3.07% | 3.20% | 3.10% | +11 bps | |
| Efficiency Ratio | 119.78% | 109.35% | 106.51% | 104.53% | 100.11% | 89.07% | 82.97% | 81.78% | -2,274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | 8.35% | 8.45% | 12.83% | 20.81% | 9.51% | 4.44% | 5.58% | -726 bps | |
| Loan Growth (YoY) | -2.96% | -0.51% | 0.06% | -1.05% | 4.98% | 7.20% | 6.03% | 6.42% | +747 bps | |
| Share Growth (YoY) | -3.36% | 9.56% | 9.91% | 15.16% | 23.76% | 11.04% | 4.46% | 5.52% | -964 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.30% | 1.34% | 3.14% | 0.60% | 3.99% | 3.45% | 5.87% | +273 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 | 1.04% | 0.97% | 1.30% | 1.43% | 1.20% | 1.70% | 1.27% | 1.88% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.15% | 11.79% | 11.42% | 11.00% | 10.02% | 10.70% | 11.37% | 10.99% | -1 bps | |
| Net Worth / Assets | 12.15% | 11.79% | 11.42% | 11.00% | 10.02% | 10.70% | 11.37% | 10.99% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.08% | 50.14% | 48.21% | 44.71% | 42.48% | 48.41% | 48.94% | 45.09% | +38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |