Morris, IL · Charter 60518
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
Morris, IL · Charter 60518
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.06% | -0.08% | -0.42% | -0.48% | -0.32% | -0.19% | -0.02% | +40 bps | |
| Return on Equity | 1.01% | 0.77% | -0.98% | -5.74% | -6.58% | -4.21% | -2.39% | -0.28% | +546 bps | |
| Net Interest Margin | 2.16% | 2.23% | 2.15% | 1.91% | 1.94% | 2.04% | 2.13% | 1.96% | +5 bps | |
| Efficiency Ratio | 93.67% | 94.92% | 93.72% | 102.47% | 98.58% | 97.31% | 94.83% | 96.77% | -571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 1.34% | 3.15% | 3.24% | 3.44% | 2.83% | -3.56% | -5.88% | -912 bps | |
| Loan Growth (YoY) | -11.02% | -7.11% | -7.17% | -7.01% | -5.46% | -5.97% | -5.43% | -1.02% | +599 bps | |
| Share Growth (YoY) | 3.54% | 1.45% | 3.45% | 3.92% | 4.16% | 3.62% | -3.45% | -6.18% | -1,011 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.72% | 1.17% | 0.95% | 0.60% | 0.42% | 0.71% | 1.07% | +12 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 | 0.75% | 0.70% | 0.51% | 0.82% | 0.73% | 0.73% | 0.75% | 0.83% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 8.31% | 7.94% | 7.40% | 7.34% | 7.68% | 8.04% | 7.79% | +38 bps | |
| Net Worth / Assets | 8.00% | 8.31% | 7.94% | 7.40% | 7.34% | 7.68% | 8.04% | 7.79% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.76% | 50.16% | 47.20% | 42.55% | 43.35% | 45.52% | 46.24% | 44.89% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |