Marseilles, IL · Cert 31004
FDIC · 2 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Marseilles, IL · Cert 31004
FDIC · 2 branches
Q3 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #213 of 226 inst. · $0.0B of $354.1B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.36% | 0.25% | -0.10% | 0.06% | -1.64% | -0.95% | -1.00% | -90 bps | |
| Return on Equity | 3.99% | 3.61% | 2.59% | -1.01% | 0.58% | -16.69% | -9.53% | -9.82% | -881 bps | |
| Net Interest Margin | 2.55% | 2.27% | 2.18% | 2.25% | 2.36% | 2.61% | 2.64% | 2.74% | +49 bps | |
| Efficiency Ratio | 77.30% | 87.14% | 91.21% | 90.84% | 87.96% | 98.54% | 109.63% | 107.98% | +1,714 bps | |
| Non-Interest Burden | 1.86% | 1.93% | 1.95% | 2.01% | 2.03% | 2.57% | 2.92% | 2.98% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | -3.85% | -5.78% | -4.68% | -5.95% | -7.56% | -6.52% | -8.05% | -337 bps | |
| Loan Growth (YoY) | -1.75% | -3.94% | -5.17% | -4.86% | -4.95% | -4.71% | -2.00% | -0.04% | +482 bps | |
| Deposit Growth (YoY) | -1.00% | -3.86% | -5.24% | -2.80% | -5.22% | -4.80% | -6.63% | -7.61% | -481 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% | 0.72% | 2.76% | 2.05% | 1.55% | 0.01% | 0.19% | 1.11% | -94 bps | |
| Allowance / Loans | 3.33% | 3.19% | 2.03% | 3.05% | 3.07% | 4.74% | 4.78% | 4.97% | +192 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.01% | 22.13% | 22.57% | 22.54% | 23.23% | 22.70% | 22.06% | 21.55% | -99 bps | |
| Equity / Assets | 10.02% | 9.77% | 9.66% | 9.61% | 9.89% | 9.80% | 10.30% | 10.64% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.83% | 56.69% | 56.28% | 57.93% | 58.99% | 56.73% | 59.07% | 62.67% | +475 bps | |
| Liquid Assets / Assets | 8.38% | 10.27% | 8.93% | 7.11% | 6.12% | 5.73% | 6.70% | 4.25% | -286 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |