Alton, IL · Charter 60656
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.03% | 0.03% | -0.17% | -0.19% | -0.19% | -0.18% | -0.39% | -22 bps | |
| Return on Equity | 1.99% | -0.40% | 0.38% | -2.83% | -2.80% | -2.65% | -2.49% | -5.74% | -290 bps | |
| Net Interest Margin | 3.24% | 2.95% | 2.95% | 2.66% | 2.63% | 2.79% | 2.90% | 2.89% | +23 bps | |
| Efficiency Ratio | 96.71% | 100.68% | 99.36% | 102.42% | 102.97% | 100.39% | 98.82% | 102.75% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | -0.60% | 2.42% | 0.80% | -0.08% | -1.01% | -3.77% | -4.46% | -526 bps | |
| Loan Growth (YoY) | -5.48% | -4.53% | -6.75% | -7.51% | -5.72% | -4.67% | -0.70% | -1.32% | +619 bps | |
| Share Growth (YoY) | -0.37% | -0.63% | 2.66% | 1.67% | 0.62% | -0.58% | -3.27% | -4.21% | -588 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.70% | 1.01% | 0.39% | 0.54% | 1.19% | 2.09% | 1.49% | +111 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 | 0.94% | 1.05% | 0.83% | 0.37% | 0.34% | 0.44% | 0.48% | 0.60% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.26% | 7.35% | 7.45% | 5.94% | 6.79% | 7.01% | 7.22% | 6.84% | +90 bps | |
| Net Worth / Assets | 7.26% | 7.35% | 7.45% | 5.94% | 6.79% | 7.01% | 7.22% | 6.84% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.13% | 53.21% | 51.88% | 48.69% | 48.84% | 51.02% | 53.26% | 50.15% | +147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |