Bridgeport, IL · Cert 34721
FDIC · 2 branches
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.54% | 0.49% | -0.12% | 0.57% | +17 bps | |
| Return on Equity | 3.67% | 5.05% | 4.70% | -1.10% | 4.58% | +92 bps | |
| Net Interest Margin | 1.89% | 2.02% | 1.91% | 2.06% | 1.99% | +10 bps | |
| Efficiency Ratio | 80.08% | 74.19% | 73.88% | 102.21% | 76.47% | -361 bps | |
| Non-Interest Burden | 1.49% | 1.43% | 1.38% | 2.11% | 1.49% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.47% | 19.75% | 16.24% | -14.65% | -10.73% | -1,220 bps | |
| Loan Growth (YoY) | -11.38% | 0.15% | 7.50% | 6.22% | 0.12% | +1,150 bps | |
| Deposit Growth (YoY) | 1.70% | 23.07% | 18.79% | -16.40% | -12.52% | -1,422 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | 0.88% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.46% | 0.47% | 0.29% | 0.37% | 0.44% | -2 bps | |
| Allowance Coverage of NPLs | 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 | 11.47% | n/a | n/a |
| Total Risk-Based Capital | 39.48% | 37.91% | 38.42% | 40.01% | 42.79% | +331 bps | |
| Equity / Assets | 10.66% | 10.72% | 10.32% | 12.39% | 12.34% | +168 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 25.38% | 27.41% | 26.01% | 30.98% | 29.04% | +367 bps | |
| Liquid Assets / Assets | 74.40% | 73.42% | 74.34% | 70.42% | 72.12% | -228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |