Galena, IL · Cert 19660
FDIC · 5 branches
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.34% | 0.44% | 0.55% | 1.12% | 1.48% | 0.98% | 1.39% | +85 bps | |
| Return on Equity | 18.63% | 14.80% | 5.10% | 6.51% | 12.92% | 16.83% | 11.22% | 15.79% | +928 bps | |
| Net Interest Margin | 3.24% | 3.07% | 2.92% | 3.05% | 3.22% | 3.34% | 3.07% | 3.35% | +30 bps | |
| Efficiency Ratio | 59.33% | 64.21% | 71.50% | 83.88% | 66.99% | 57.77% | 67.57% | 61.45% | -2,243 bps | |
| Non-Interest Burden | 1.39% | 1.73% | 1.82% | 2.38% | 1.91% | 1.49% | 1.84% | 1.61% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | -6.18% | 0.39% | -1.62% | -3.93% | 2.38% | -0.99% | 0.40% | +202 bps | |
| Loan Growth (YoY) | 1.84% | -0.28% | 2.04% | 3.98% | 7.23% | 6.81% | 1.69% | -0.05% | -402 bps | |
| Deposit Growth (YoY) | -4.39% | -4.84% | 2.17% | -0.43% | 4.12% | 4.77% | 0.01% | -4.46% | -403 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 | 0.08% | -0.21% | 0.92% | -0.01% | -0.14% | -0.13% | 0.00% | -0.21% | -20 bps | |
| Allowance / Loans | 1.09% | 1.04% | 1.05% | 1.04% | 0.94% | 0.86% | 0.83% | 0.83% | -21 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 | 14.56% | 14.46% | 13.77% | 13.42% | 13.63% | 13.44% | 13.75% | 13.39% | -3 bps | |
| Equity / Assets | 9.25% | 8.88% | 8.45% | 8.39% | 8.91% | 8.67% | 8.78% | 8.89% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.53% | 69.08% | 70.30% | 75.20% | 74.69% | 70.43% | 71.49% | 78.68% | +347 bps | |
| Liquid Assets / Assets | 2.84% | 2.92% | 2.87% | 5.99% | 6.18% | 5.90% | 5.92% | 6.09% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |