Elgin, IL · Charter 20770
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Elgin, IL · Charter 20770
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.15% | -0.31% | -0.87% | 0.28% | 0.49% | -0.36% | -38.98% | -3,811 bps | |
| Return on Equity | 0.56% | 0.81% | -1.62% | -4.50% | 1.09% | 1.38% | -0.90% | -104.39% | -9,989 bps | |
| Net Interest Margin | 3.15% | 2.88% | 3.09% | 3.23% | 3.84% | 4.98% | 5.07% | 7.85% | +462 bps | |
| Efficiency Ratio | 72.57% | 82.12% | 80.49% | 77.87% | 92.59% | 89.94% | 95.32% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.54% | 2.49% | -3.20% | -5.91% | -29.88% | -51.11% | -53.98% | -74.57% | -6,866 bps | |
| Loan Growth (YoY) | -3.47% | -8.01% | -7.41% | -15.44% | -24.48% | -31.35% | -42.49% | -100.00% | -8,456 bps | |
| Share Growth (YoY) | -3.51% | 3.78% | -3.36% | -6.20% | -35.85% | -61.86% | -66.11% | -80.30% | -7,410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 15.69% | n/a | n/a | |
| 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 | 1.00% | 1.26% | 2.00% | 3.00% | 3.05% | 3.78% | 5.66% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 18.66% | 18.25% | 19.18% | 19.41% | 25.51% | 35.82% | 40.10% | 37.34% | +1,793 bps | |
| Net Worth / Assets | 18.66% | 18.25% | 19.18% | 19.41% | 25.51% | 35.82% | 40.10% | 37.34% | +1,793 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.26% | 54.94% | 58.21% | 53.88% | 70.94% | 98.89% | 98.79% | 0.00% | -5,388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |