Hammond, IN · Cert 30927
FDIC · 3 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Hammond, IN · Cert 30927
FDIC · 3 branches
Q2 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #175 of 208 inst. · $0.0B of $391.1B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.22% | 0.21% | 0.26% | 0.18% | 0.18% | -0.04% | -1.32% | -158 bps | |
| Return on Equity | 1.31% | 1.05% | 0.95% | 1.20% | 0.80% | 0.83% | -0.19% | -5.92% | -712 bps | |
| Net Interest Margin | 3.08% | 3.09% | 3.05% | 3.08% | 3.09% | 3.08% | 3.05% | 3.08% | 0 bps | |
| Efficiency Ratio | 85.42% | 87.73% | 89.93% | 86.97% | 90.93% | 89.49% | 99.61% | 140.45% | +5,348 bps | |
| Non-Interest Burden | 2.61% | 2.70% | 2.72% | 2.65% | 2.80% | 2.74% | 3.04% | 4.37% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -2.87% | -3.61% | -4.10% | -2.56% | -0.47% | -0.84% | -3.77% | +33 bps | |
| Loan Growth (YoY) | -5.94% | -5.37% | -2.51% | -1.60% | 4.21% | 2.96% | 0.81% | 1.24% | +284 bps | |
| Deposit Growth (YoY) | -5.80% | -4.22% | -5.21% | -6.37% | -4.48% | -1.08% | 4.86% | 2.31% | +869 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 | 0.06% | 0.09% | 0.00% | 0.05% | 0.09% | 0.13% | 0.00% | 0.30% | +24 bps | |
| Allowance / Loans | 0.60% | 0.58% | 0.59% | 0.58% | 0.55% | 0.56% | 0.59% | 0.45% | -14 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 | 21.95% | 22.12% | 22.27% | 22.30% | 22.21% | 22.02% | -10 bps | |
| Total Risk-Based Capital | 44.77% | 43.95% | 42.44% | 47.58% | 46.69% | 43.02% | 47.50% | 47.87% | +29 bps | |
| Equity / Assets | 21.48% | 21.74% | 21.97% | 22.17% | 22.21% | 22.02% | 22.27% | 22.43% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.03% | 95.00% | 96.55% | 97.88% | 101.49% | 98.88% | 92.82% | 96.86% | -103 bps | |
| Liquid Assets / Assets | 19.34% | 17.78% | 17.40% | 17.40% | 15.30% | 16.74% | 17.14% | 15.76% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |