Peru, IL · Charter 18110
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -0.01% | 0.08% | 0.06% | 0.12% | -0.01% | -0.20% | -0.23% | -29 bps | |
| Return on Equity | -3.83% | -0.03% | 0.46% | 0.35% | 0.61% | -0.07% | -1.10% | -1.26% | -161 bps | |
| Net Interest Margin | 3.11% | 2.57% | 2.50% | 2.45% | 2.69% | 2.29% | 2.15% | 2.05% | -41 bps | |
| Efficiency Ratio | 98.15% | 93.47% | 92.38% | 92.64% | 90.48% | 94.04% | 102.64% | 104.01% | +1,137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.76% | -2.94% | 1.49% | -2.02% | 4.50% | -0.93% | -3.41% | -1.87% | +15 bps | |
| Loan Growth (YoY) | -3.57% | 0.83% | 1.27% | 0.23% | -12.80% | -23.75% | -26.79% | -34.22% | -3,444 bps | |
| Share Growth (YoY) | -1.77% | -2.75% | 2.53% | -1.84% | 5.24% | -0.98% | -3.69% | -1.71% | +12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.92% | 2.78% | 2.46% | 0.00% | 0.00% | 0.00% | 0.00% | 0.59% | +59 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 | 1.48% | 1.94% | 2.42% | 0.73% | 0.88% | 1.86% | 2.21% | 2.62% | +189 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.49% | 18.80% | 18.15% | 17.93% | 19.72% | 18.89% | 18.56% | 17.97% | +5 bps | |
| Net Worth / Assets | 20.49% | 18.80% | 18.15% | 17.93% | 19.72% | 18.89% | 18.56% | 17.97% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.65% | 45.28% | 40.63% | 40.19% | 42.80% | 34.87% | 30.89% | 26.90% | -1,329 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |