Chrisman, IL · Cert 3636
FDIC · 1 branch
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.26% | 0.30% | 0.39% | 0.28% | +11 bps | |
| Return on Equity | 1.92% | 2.77% | 3.21% | 4.06% | 2.69% | +76 bps | |
| Net Interest Margin | 2.31% | 2.40% | 2.53% | 2.63% | 2.49% | +18 bps | |
| Efficiency Ratio | 92.89% | 89.92% | 88.41% | 85.57% | 89.76% | -312 bps | |
| Non-Interest Burden | 2.13% | 2.14% | 2.22% | 2.23% | 2.22% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.22% | -7.12% | -10.86% | -11.10% | -9.52% | -974 bps | |
| Loan Growth (YoY) | 3.34% | 1.60% | -4.22% | -2.15% | -0.01% | -335 bps | |
| Deposit Growth (YoY) | 0.17% | -4.01% | -8.36% | -10.71% | -9.26% | -943 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.01% | 0.31% | +33 bps | |
| Allowance / Loans | 1.26% | 1.18% | 1.12% | 1.09% | 1.19% | -7 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 | 10.03% | n/a | n/a |
| Total Risk-Based Capital | 16.39% | 16.12% | 16.40% | 16.60% | 21.35% | +496 bps | |
| Equity / Assets | 9.17% | 9.63% | 9.94% | 10.55% | 10.41% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.86% | 56.06% | 61.77% | 65.66% | 54.95% | +508 bps | |
| Liquid Assets / Assets | 43.48% | 47.77% | 40.18% | 32.80% | 41.75% | -173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |