Aurora, IL · Charter 61352
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 | 0.24% | 0.50% | 0.59% | 0.63% | 0.48% | 0.41% | 0.43% | 0.37% | -26 bps | |
| Return on Equity | 1.64% | 3.31% | 3.94% | 4.28% | 3.43% | 2.79% | 3.00% | 2.71% | -158 bps | |
| Net Interest Margin | 1.97% | 2.01% | 1.99% | 1.95% | 1.81% | 1.88% | 1.87% | 1.79% | -15 bps | |
| Efficiency Ratio | 91.27% | 82.61% | 79.57% | 77.77% | 80.24% | 84.18% | 83.28% | 84.85% | +709 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.45% | 6.79% | 8.50% | 14.92% | 11.63% | 8.83% | 8.49% | 9.68% | -525 bps | |
| Loan Growth (YoY) | -2.42% | -4.34% | -7.24% | -6.40% | -10.14% | -6.74% | -5.01% | -4.19% | +222 bps | |
| Share Growth (YoY) | 8.16% | 7.36% | 9.25% | 16.75% | 12.88% | 9.54% | 9.41% | 10.95% | -581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.59% | 0.59% | 0.61% | 0.62% | 0.65% | 0.63% | 0.64% | 0.65% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.91% | 15.22% | 14.95% | 14.66% | 13.97% | 14.57% | 14.29% | 13.74% | -92 bps | |
| Net Worth / Assets | 14.91% | 15.22% | 14.95% | 14.66% | 13.97% | 14.57% | 14.29% | 13.74% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.82% | 29.26% | 27.33% | 25.70% | 22.94% | 24.91% | 23.73% | 22.20% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |