Lima, IL · Cert 5735
FDIC · 1 branch
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.70% | 1.41% | 1.41% | 1.48% | 0.14% | 1.47% | 0.46%1 | -95 bps | |
| Return on Equity | 5.69% | 7.37% | 13.87% | 13.11% | 13.05% | 1.17% | 11.11% | 3.42% | -970 bps | |
| Net Interest Margin | 3.18% | 3.23% | 3.05% | 3.14% | 3.28% | 3.32% | 3.08% | 2.69% | -45 bps | |
| Efficiency Ratio | 48.22% | 51.63% | 57.19% | 56.10% | 55.47% | 94.98% | 57.41% | 145.10% | +8,900 bps | |
| Non-Interest Burden | 1.41% | 1.55% | 1.64% | 1.66% | 1.72% | 3.14% | 1.68% | 4.02% | +235 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 | -0.01% | 0.06% | 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 |