Mazon, IL · Cert 16179
FDIC · 3 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mazon, IL · Cert 16179
FDIC · 3 branches
Q2 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #163 of 208 inst. · $0.1B of $391.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30%1 | 0.35% | 0.22%1 | 0.12% | 0.32% | 0.19% | 0.45% | -0.36% | -48 bps | |
| Return on Equity | 3.63% | 4.25% | 2.60% | 1.39% | 3.83% | 2.18% | 5.00% | -3.93% | -532 bps | |
| Net Interest Margin | 2.52% | 2.51% | 2.04% | 2.47% | 2.60% | 2.61% | 2.58% | 2.64% | +17 bps | |
| Efficiency Ratio | 98.82% | 95.27% | 109.50% | 96.17% | 91.37% | 94.67% | 93.73% | 109.65% | +1,348 bps | |
| Non-Interest Burden | 2.47% | 2.35% | 2.33% | 2.34% | 2.29% | 2.42% | 2.37% | 2.98% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 6.41% | 0.91% | -0.91% | -0.03% | -4.67% | -3.41% | -5.70% | -479 bps | |
| Loan Growth (YoY) | -5.61% | 0.68% | 0.05% | -1.59% | -1.21% | -7.24% | -2.68% | -2.89% | -130 bps | |
| Deposit Growth (YoY) | 7.56% | 3.89% | 2.08% | -1.41% | -6.31% | -1.44% | -4.70% | -4.09% | -268 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 | 0.39% | 0.48% | 0.19% | 0.21% | 0.13% | 0.11% | 0.46% | 0.26% | +6 bps | |
| Allowance / Loans | 0.84% | 0.61% | 0.61% | 0.58% | 0.59% | 0.62% | 0.52% | 0.69% | +10 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 | 8.17% | 8.41% | 8.79% | 8.87% | 9.10% | 8.87% | +46 bps | |
| Total Risk-Based Capital | 13.77% | 13.28% | 14.42% | 14.21% | 14.58% | 14.52% | 14.72% | 14.62% | +41 bps | |
| Equity / Assets | 8.09% | 7.99% | 8.79% | 8.31% | 8.71% | 8.78% | 9.23% | 9.47% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.23% | 47.48% | 41.99% | 44.11% | 45.58% | 44.68% | 42.88% | 44.66% | +55 bps | |
| Liquid Assets / Assets | 1.84% | 2.15% | 3.41% | 2.09% | 2.00% | 1.90% | 2.14% | 1.96% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |