Willowbrook, IL · Charter 5609
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.44% | 0.37% | 0.38% | 0.36% | 0.35% | 0.32% | 0.06% | -31 bps | |
| Return on Equity | 2.36% | 4.77% | 3.93% | 3.91% | 3.64% | 3.54% | 3.21% | 0.60% | -330 bps | |
| Net Interest Margin | 0.87% | 0.92% | 0.91% | 0.92% | 0.91% | 0.96% | 0.90% | 0.89% | -3 bps | |
| Efficiency Ratio | 76.43% | 54.74% | 54.95% | 56.18% | 57.42% | 52.03% | 59.11% | 88.88% | +3,270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | 1.35% | 0.83% | -0.43% | -2.81% | -3.95% | -2.62% | -2.99% | -256 bps | |
| Loan Growth (YoY) | -8.86% | -11.19% | -13.17% | -12.61% | -9.46% | -10.39% | -7.68% | -9.86% | +275 bps | |
| Share Growth (YoY) | 1.20% | 1.25% | 0.71% | -0.80% | -3.47% | -4.71% | -3.25% | -3.49% | -269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 3.01% | 2.72% | 4.11% | 3.50% | 4.10% | 3.56% | 4.20% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.23% | 4.24% | 4.82% | 4.72% | 4.09% | 4.97% | 4.94% | 4.54% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.19% | 9.22% | 9.45% | 9.61% | 9.81% | 9.93% | 10.06% | 10.05% | +43 bps | |
| Net Worth / Assets | 9.19% | 9.22% | 9.45% | 9.61% | 9.81% | 9.93% | 10.06% | 10.05% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.88% | 3.63% | 3.54% | 3.52% | 3.64% | 3.41% | 3.38% | 3.28% | -23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |