Rock Island, IL · Charter 17238
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -0.85% | -1.13% | -0.91% | -0.85% | -0.71% | -1.30% | -0.88% | +3 bps | |
| Return on Equity | -9.29% | -9.28% | -12.62% | -10.21% | -9.45% | -8.08% | -15.36% | -10.48% | -28 bps | |
| Net Interest Margin | 1.70% | 1.59% | 1.29% | 1.38% | 1.44% | 1.44% | 1.26% | 1.45% | +7 bps | |
| Efficiency Ratio | 127.94% | 132.44% | 177.93% | 157.00% | 151.19% | 143.44% | 207% | 166.96% | +997 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | 2.82% | 1.06% | -1.83% | -2.71% | -4.11% | -2.92% | -1.57% | +27 bps | |
| Loan Growth (YoY) | 12.68% | 12.50% | 25.58% | 23.60% | 32.60% | 34.29% | 16.31% | 4.39% | -1,921 bps | |
| Share Growth (YoY) | 3.32% | 4.12% | 2.19% | -1.14% | -2.10% | -3.77% | -2.41% | -0.97% | +17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.66% | 0.66% | 0.63% | 0.59% | 0.58% | 0.62% | 0.57% | 0.54% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.56% | 9.11% | 8.92% | 8.94% | 8.98% | 8.79% | 8.45% | 8.40% | -55 bps | |
| Net Worth / Assets | 9.56% | 9.11% | 8.92% | 8.94% | 8.98% | 8.79% | 8.45% | 8.40% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.66% | 36.07% | 41.36% | 46.38% | 51.01% | 50.33% | 49.30% | 48.89% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |