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 (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 | -0.51% | -0.63% | -0.90% | -0.64% | -0.80% | -1.57% | -16.36% | -2.79% | -215 bps | |
| Return on Equity | -7.47% | -9.28% | -13.62% | -9.71% | -12.15% | -25.17% | -400% | -164.15% | -15,443 bps | |
| Net Interest Margin | 2.49% | 2.75% | 2.63% | 2.42% | 2.42% | 2.53% | 2.62% | 2.58% | +16 bps | |
| Efficiency Ratio | 118.78% | 122.30% | 132.92% | 126.94% | 127.87% | 162.09% | 758% | 194.72% | +6,778 bps | |
| Non-Interest Burden | 2.99% | 3.39% | 3.54% | 3.17% | 3.19% | 4.11% | 19.38% | 5.31% | +214 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 | 0.48% | -0.01% | 0.18% | 0.00% | 0.00% | 0.42% | 0.64% | 0.00% | 0 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 |