Sauget, IL · Charter 60130
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Sauget, IL · Charter 60130
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.97% | -3.85% | -4.05% | -4.26% | -5.26% | -4.08% | -4.25% | -4.46% | -19 bps | |
| Return on Equity | -23.25% | -18.31% | -19.68% | -19.21% | -26.46% | -22.71% | -25.26% | -26.26% | -705 bps | |
| Net Interest Margin | 2.11% | 2.10% | 2.10% | 2.32% | 2.17% | 1.99% | 1.94% | 2.06% | -26 bps | |
| Efficiency Ratio | 334% | 281% | 290% | 282% | 342% | 303% | 315% | 313% | +3,109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | -0.13% | 4.54% | -12.62% | -10.99% | -4.10% | -1.59% | 3.56% | +1,619 bps | |
| Loan Growth (YoY) | 1.43% | -14.36% | -5.09% | -8.91% | -10.78% | -12.22% | -3.12% | -8.90% | +2 bps | |
| Share Growth (YoY) | 6.14% | 4.84% | 11.59% | -11.44% | -9.32% | -0.35% | 3.06% | 10.51% | +2,195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 2.20% | 1.41% | 4.87% | 4.39% | 3.88% | 4.68% | 3.30% | -157 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 | 21.77% | 24.48% | 22.26% | 20.82% | 24.40% | 27.89% | 22.98% | 22.02% | +119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.37% | 21.04% | 20.57% | 22.19% | 19.88% | 17.95% | 16.83% | 16.97% | -522 bps | |
| Net Worth / Assets | 21.37% | 21.04% | 20.57% | 22.19% | 19.88% | 17.95% | 16.83% | 16.97% | -522 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.34% | 18.30% | 20.57% | 25.29% | 20.02% | 16.12% | 19.33% | 20.85% | -444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |