Lima, IL · Cert 5735
FDIC · 1 branch
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.40% | 1.23% | 1.41% | 1.40% | 1.60% | -4.19% | 1.47% | -0.61% | -201 bps | |
| Return on Equity | -15.57% | 12.92% | 13.87% | 12.44% | 12.76% | -32.26% | 11.11% | -4.45% | -1,689 bps | |
| Net Interest Margin | 3.05% | 3.12% | 3.05% | 3.19% | 3.31% | 3.27% | 3.08% | 2.24% | -95 bps | |
| Efficiency Ratio | 48.87% | 62.46% | 57.19% | 55.03% | 54.21% | 216% | 57.41% | 263% | +20,772 bps | |
| Non-Interest Burden | 1.35% | 1.87% | 1.64% | 1.66% | 1.70% | 7.32% | 1.68% | 6.32% | +466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.85% | -3.61% | -21.52% | -8.19% | -11.25% | -9.50% | -11.61% | -15.63% | -744 bps | |
| Loan Growth (YoY) | 7.98% | -13.99% | -12.13% | -11.15% | -11.71% | -14.35% | -16.26% | -26.64% | -1,549 bps | |
| Deposit Growth (YoY) | 16.78% | 0.93% | -21.99% | -9.11% | -14.55% | -10.48% | -12.82% | -15.53% | -642 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% | 0.30% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.95% | 2.05% | 2.12% | 2.11% | 2.13% | 2.39% | 2.53% | 2.88% | +77 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 | 11.92% | 12.05% | n/a | |
| Total Risk-Based Capital | 16.55% | 17.34% | 17.94% | 18.59% | 19.72% | 19.32% | 21.34% | 23.71% | +512 bps | |
| Equity / Assets | 9.30% | 9.72% | 10.59% | 11.96% | 13.20% | 12.74% | 13.79% | 13.45% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.91% | 57.74% | 55.25% | 56.74% | 61.89% | 55.25% | 53.07% | 49.28% | -746 bps | |
| Liquid Assets / Assets | 10.94% | 7.55% | 8.16% | 5.77% | 1.54% | 3.01% | 3.79% | 0.85% | -492 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |