Whiting, IN · Cert 28781
FDIC · 3 branches
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.
Whiting, IN · Cert 28781
FDIC · 3 branches
Q2 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #178 of 218 inst. · $0.1B of $384.6B
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 | -0.45% | -0.49% | -0.90% | -0.77% | -0.78% | -0.97% | -16.36% | -9.48% | -871 bps | |
| Return on Equity | -6.46% | -7.13% | -13.62% | -11.66% | -11.84% | -15.05% | -400% | -302% | -29,005 bps | |
| Net Interest Margin | 2.74% | 2.87% | 2.63% | 2.50% | 2.48% | 2.56% | 2.62% | 2.61% | +11 bps | |
| Efficiency Ratio | 115.19% | 116.86% | 132.92% | 129.90% | 129.22% | 136.75% | 758% | 460% | +33,039 bps | |
| Non-Interest Burden | 3.19% | 3.38% | 3.54% | 3.32% | 3.28% | 3.59% | 19.38% | 12.42% | +910 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.36% | -4.74% | -5.90% | -6.05% | -3.28% | -0.32% | -7.12% | 1.25% | +729 bps | |
| Loan Growth (YoY) | -16.90% | -13.66% | -12.63% | -9.41% | -6.25% | -4.51% | 0.32% | -3.05% | +636 bps | |
| Deposit Growth (YoY) | -8.05% | -4.17% | -5.34% | -6.05% | -3.02% | 0.37% | -6.08% | 4.20% | +1,025 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 | 0.31% | 0.23% | 0.18% | 0.09% | 0.06% | 0.15% | 0.64% | 0.33% | +24 bps | |
| Allowance / Loans | 1.95% | 1.98% | 2.04% | 1.99% | 1.98% | 1.87% | 1.69% | 1.76% | -24 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 | 2.02% | 1.31% | n/a | |
| Total Risk-Based Capital | 18.10% | 17.71% | 17.44% | 17.40% | 16.82% | 15.73% | 6.09% | 4.73% | -1,267 bps | |
| Equity / Assets | 6.92% | 6.72% | 6.49% | 6.60% | 6.52% | 5.93% | 2.13% | 1.29% | -531 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.46% | 58.83% | 55.60% | 56.90% | 58.45% | 55.96% | 59.38% | 52.94% | -396 bps | |
| Liquid Assets / Assets | 17.33% | 18.88% | 22.43% | 22.36% | 21.89% | 14.10% | 17.77% | 15.62% | -674 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |