Winfield, IL · Cert 35187
FDIC · 1 branch
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Winfield, IL · Cert 35187
FDIC · 1 branch
Q4 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #182 of 226 inst. · $0.1B 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.49% | -0.38% | -0.28% | -0.08% | -0.30% | -4.94% | -4.09% | -381 bps | |
| Return on Equity | -12.36% | -14.17% | -11.19% | -8.22% | -2.30% | -8.65% | -189.74% | -203% | -19,506 bps | |
| Net Interest Margin | 2.72% | 2.74% | 2.76% | 2.84% | 2.88% | 2.93% | 3.04% | 3.00% | +15 bps | |
| Efficiency Ratio | 114.77% | 116.56% | 112.65% | 109.09% | 102.40% | 109.04% | 247% | 223% | +11,439 bps | |
| Non-Interest Burden | 3.16% | 3.24% | 3.14% | 3.13% | 2.96% | 3.22% | 8.06% | 7.16% | +403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.32% | -6.02% | -7.60% | -7.74% | -6.30% | -6.35% | -12.50% | -8.37% | -63 bps | |
| Loan Growth (YoY) | -6.43% | -8.83% | -8.67% | -9.13% | -9.17% | -11.28% | -9.47% | -7.67% | +146 bps | |
| Deposit Growth (YoY) | -8.46% | -5.75% | -7.15% | -7.60% | -6.14% | -6.31% | -9.43% | -4.46% | +313 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% | 0.00% | 0.00% | 0.20% | 0.00% | 0.39% | 0.26% | 0.20% | 0 bps | |
| Allowance / Loans | 1.59% | 1.58% | 1.64% | 1.50% | 1.54% | 1.38% | 1.40% | 1.43% | -8 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 | 6.87% | 6.53% | 6.63% | 6.73% | 6.85% | 6.35% | -0.37% | -0.78% | -751 bps | |
| Equity / Assets | 3.54% | 3.32% | 3.23% | 3.47% | 3.52% | 3.35% | -0.14% | -0.49% | -395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.39% | 56.71% | 55.55% | 55.60% | 55.54% | 53.70% | 55.53% | 53.74% | -187 bps | |
| Liquid Assets / Assets | 7.91% | 9.79% | 8.65% | 4.60% | 6.73% | 7.37% | 7.49% | 31.29% | +2,669 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |