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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.09% | 0.07%1 | -6.44% | -13.99% | -1.56% | -0.78% | -2.46% | +398 bps | |
| Return on Equity | 0.13% | -0.54% | 0.31% | -24.73% | -50.90% | -5.15% | -2.13% | -5.75% | +1,898 bps | |
| Net Interest Margin | 1.57% | 1.58% | 1.91% | 1.69% | 1.92% | 1.87% | 1.97% | 2.15% | +46 bps | |
| Efficiency Ratio | 99.38% | 100.69% | 99.25% | 123.77% | 246% | 151.35% | 120.74% | 152.79% | +2,902 bps | |
| Non-Interest Burden | 1.55% | 1.61% | 1.88% | 7.96% | 6.59% | 3.46% | 2.72% | 4.23% | -373 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 | 0.00% | 1.04% | 0.00% | 2.17% | 41.18% | 0.00% | 0.00% | 0.00% | -217 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 |