Earlville, IL · Cert 15630
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | -0.59% | 0.40% | -0.24% | 0.35% | -0.11% | -1.03% | -0.55% | -30 bps | |
| Return on Equity | -6.74% | -3.75% | 2.68% | -1.69% | 2.44% | -0.79% | -7.20% | -3.80% | -211 bps | |
| Net Interest Margin | 3.20% | 3.28% | 3.38% | 3.55% | 2.74% | 2.43% | 2.59% | 2.56% | -99 bps | |
| Efficiency Ratio | 86.13% | 81.08% | 75.29% | 75.09% | 77.78% | 94.16% | 103.28% | 107.40% | +3,231 bps | |
| Non-Interest Burden | 2.71% | 2.60% | 2.48% | 2.60% | 2.07% | 2.27% | 2.69% | 2.77% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.45% | -1.21% | 10.31% | -1.13% | 8.71% | 5.02% | -2.90% | -6.96% | -583 bps | |
| Loan Growth (YoY) | -2.89% | -5.12% | 9.53% | 8.26% | -18.82% | -23.44% | -29.08% | -34.61% | -4,287 bps | |
| Deposit Growth (YoY) | 8.18% | 10.17% | 12.88% | 9.62% | 11.22% | 6.63% | 1.40% | -3.62% | -1,324 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 | 0.88% | 2.33% | 0.64% | 1.68% | -0.08% | 1.10% | 0.57% | 2.66% | +97 bps | |
| Allowance / Loans | 2.00% | 1.79% | 1.66% | 1.69% | 2.75% | 2.63% | 3.36% | 3.14% | +145 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 | 24.87% | 24.35% | 23.49% | 19.54% | 26.38% | 26.57% | 24.61% | 24.53% | +499 bps | |
| Equity / Assets | 15.86% | 15.66% | 14.45% | 14.26% | 14.21% | 14.55% | 14.04% | 14.65% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.77% | 80.18% | 82.81% | 89.37% | 55.31% | 57.57% | 57.92% | 60.64% | -2,874 bps | |
| Liquid Assets / Assets | 0.61% | 0.62% | 0.56% | 0.57% | 0.56% | 0.59% | 5.76% | 4.91% | +434 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |