Palos Heights, IL · Charter 61207
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 | 0.38% | 0.68% | 0.23% | 0.22% | 0.28% | 0.33% | 0.27% | -0.04% | -25 bps | |
| Return on Equity | 3.77% | 6.13% | 2.12% | 1.94% | 2.36% | 2.66% | 2.16% | -0.32% | -225 bps | |
| Net Interest Margin | 1.28% | 1.30% | 0.95% | 1.05% | 1.07% | 1.11% | 1.06% | 1.03% | -2 bps | |
| Efficiency Ratio | 61.24% | 62.35% | 88.17% | 78.51% | 73.67% | 70.04% | 75.11% | 103.70% | +2,520 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | -4.11% | -4.49% | -8.75% | -13.21% | -12.24% | -8.44% | -7.09% | +166 bps | |
| Loan Growth (YoY) | -12.69% | -9.12% | -0.44% | 0.04% | 4.32% | 6.66% | 6.77% | 8.22% | +818 bps | |
| Share Growth (YoY) | 0.56% | -4.64% | -5.22% | -9.89% | -14.82% | -13.63% | -9.71% | -8.06% | +182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.20% | 0.20% | 0.00% | 0.00% | 0.01% | 0.00% | 0.18% | +18 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 | 3.66% | 0.54% | 0.66% | 0.74% | 0.71% | 0.66% | 0.65% | 0.60% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.19% | 11.07% | 11.04% | 11.13% | 11.91% | 12.55% | 12.33% | 12.19% | +105 bps | |
| Net Worth / Assets | 10.19% | 11.07% | 11.04% | 11.13% | 11.91% | 12.55% | 12.33% | 12.19% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.25% | 8.04% | 8.35% | 8.00% | 8.87% | 9.93% | 9.87% | 9.41% | +142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |