Franklin Park, IL · Charter 16277
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -2.43% | -1.38% | -1.70% | -1.97% | 0.18% | 0.10% | -0.09% | +161 bps | |
| Return on Equity | -0.72% | -20.58% | -11.00% | -13.81% | -16.41% | 1.58% | 0.78% | -0.67% | +1,314 bps | |
| Net Interest Margin | 2.45% | 2.39% | 2.36% | 2.37% | 2.40% | 2.51% | 2.65% | 2.78% | +41 bps | |
| Efficiency Ratio | 97.43% | 101.40% | 103.87% | 104.53% | 105.68% | 101.53% | 100.83% | 105.57% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | 1.04% | -7.45% | -11.35% | -10.18% | -5.68% | -12.85% | -15.57% | -422 bps | |
| Loan Growth (YoY) | 5.33% | -3.99% | -12.57% | -22.58% | -16.59% | -17.34% | -9.88% | -15.49% | +710 bps | |
| Share Growth (YoY) | 6.37% | 2.49% | -7.51% | -11.31% | -9.56% | -5.19% | -13.38% | -17.08% | -577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 1.38% | 0.00% | 0.05% | 0.53% | 0.50% | 2.35% | 2.51% | +246 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 | 1.32% | 1.03% | 0.69% | 0.80% | 1.81% | 1.89% | 1.86% | 1.89% | +109 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.57% | 11.79% | 12.56% | 12.31% | 12.02% | 11.34% | 13.12% | 13.75% | +144 bps | |
| Net Worth / Assets | 12.57% | 11.79% | 12.56% | 12.31% | 12.02% | 11.34% | 13.12% | 13.75% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.19% | 63.15% | 63.72% | 63.76% | 65.65% | 55.05% | 66.29% | 64.98% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |