Kenney, IL · Cert 22609
FDIC · 1 branch
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Kenney, IL · Cert 22609
FDIC · 1 branch
Q2 2015
Market Position · Bloomington, IL · 2015 SOD (annual) · 0.1% share · #29 of 34 inst. · $0.0B of $13.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 0.04% | 0.01% | 0.07%1 | -2.82% | -5.94% | -5.06% | -0.78% | -1.50% | +132 bps | |
| Return on Equity | 0.28% | 0.08% | 0.31% | -12.08% | -24.30% | -19.88% | -2.13% | -3.93% | +815 bps | |
| Net Interest Margin | 1.63% | 1.79% | 1.91% | 1.95% | 2.17% | 2.46% | 1.97% | 2.07% | +12 bps | |
| Efficiency Ratio | 97.85% | 98.48% | 99.25% | 110.94% | 142.36% | 143.76% | 120.74% | 137.14% | +2,621 bps | |
| Non-Interest Burden | 1.55% | 1.73% | 1.88% | 5.07% | 6.16% | 6.53% | 2.72% | 3.49% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.28% | -43.69% | -42.45% | -36.89% | -56.87% | -49.67% | -51.22% | -47.37% | -1,048 bps | |
| Loan Growth (YoY) | -2.02% | -7.00% | -12.28% | -33.08% | -48.97% | -54.52% | -59.70% | -49.77% | -1,669 bps | |
| Deposit Growth (YoY) | 10.62% | -49.30% | -53.99% | -45.96% | -68.87% | -58.15% | -60.68% | -56.38% | -1,042 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 | 0.09% | 0.33% | 0.00% | 1.08% | 14.71% | 13.01% | 0.00% | 0.00% | -108 bps | |
| Allowance / Loans | 2.45% | 2.31% | 2.42% | 2.52% | 0.22% | 0.26% | 0.31% | 0.32% | -220 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 | 35.76% | 35.56% | n/a | |
| Total Risk-Based Capital | 47.52% | 50.94% | 55.02% | 71.11% | 75.37% | 102.25% | 122.02% | 74.96% | +385 bps | |
| Equity / Assets | 15.24% | 19.46% | 26.00% | 26.09% | 29.26% | 31.61% | 43.32% | 42.24% | +1,615 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.42% | 48.01% | 72.46% | 59.76% | 61.35% | 52.18% | 74.26% | 68.82% | +905 bps | |
| Liquid Assets / Assets | 62.70% | 56.43% | 45.52% | 54.26% | 54.40% | 61.10% | 54.03% | 35.13% | -1,912 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |