Granite City, IL · Charter 60739
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -0.71% | -0.47% | -0.29% | -0.18% | -0.13% | -0.11% | -1.42% | -113 bps | |
| Return on Equity | -17.88% | -11.36% | -7.11% | -4.36% | -2.87% | -2.22% | -1.78% | -30.07% | -2,571 bps | |
| Net Interest Margin | 2.06% | 2.19% | 2.40% | 2.52% | 2.34% | 2.35% | 2.39% | 2.53% | +1 bps | |
| Efficiency Ratio | 133.54% | 120.42% | 112.07% | 106.92% | 105.62% | 104.10% | 103.27% | 140.83% | +3,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 0.62% | 2.29% | -0.98% | 0.58% | 3.42% | 7.58% | 8.54% | +952 bps | |
| Loan Growth (YoY) | -5.54% | -3.27% | 10.14% | 9.64% | 8.45% | 5.66% | 1.34% | 1.01% | -862 bps | |
| Share Growth (YoY) | 6.16% | 1.01% | 2.95% | -0.37% | 0.80% | 3.81% | 8.25% | 10.90% | +1,127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.04% | 0.04% | 0.00% | 0.02% | 0.00% | 0.30% | +26 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 | 0.25% | 0.25% | 0.23% | 0.23% | 0.18% | 0.18% | 0.17% | 0.18% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.26% | 6.22% | 6.55% | 6.77% | 6.19% | 5.94% | 5.98% | 4.73% | -204 bps | |
| Net Worth / Assets | 6.26% | 6.22% | 6.55% | 6.77% | 6.19% | 5.94% | 5.98% | 4.73% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.07% | 46.27% | 52.51% | 53.80% | 48.49% | 47.10% | 49.16% | 49.00% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |