Paris, IL · Charter 61488
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 1.41% | 0.94% | -2.20% | -5.85% | -11.62% | -8.01% | -8.05% | -584 bps | |
| Return on Equity | 2.06% | 12.13% | 8.02% | -20.87% | -56.80% | -188.70% | -163.18% | -220% | -19,927 bps | |
| Net Interest Margin | 4.08% | 3.85% | 4.21% | 4.58% | 4.79% | 4.17% | 4.04% | 4.36% | -22 bps | |
| Efficiency Ratio | 81.22% | 71.29% | 82.54% | 130.83% | 170.23% | 176.58% | 187.03% | 159.58% | +2,875 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.94% | -1.79% | -8.90% | -7.14% | -13.65% | -16.89% | -11.70% | -15.64% | -850 bps | |
| Loan Growth (YoY) | -4.83% | -0.38% | 17.04% | 14.46% | -1.94% | -6.94% | -25.96% | -25.75% | -4,021 bps | |
| Share Growth (YoY) | -1.73% | -2.76% | -10.03% | -7.37% | -12.49% | -11.97% | -5.27% | -8.89% | -152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.69% | 8.54% | 5.03% | 3.47% | 4.27% | 7.84% | 6.96% | 6.28% | +281 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 | 3.14% | 3.09% | 2.73% | 2.91% | 2.00% | 3.56% | 2.32% | 5.24% | +233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.39% | 11.61% | 11.77% | 10.56% | 10.30% | 6.16% | 4.91% | 3.66% | -691 bps | |
| Net Worth / Assets | 11.39% | 11.61% | 11.77% | 10.56% | 10.30% | 6.16% | 4.91% | 3.66% | -691 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.44% | 59.97% | 72.09% | 72.23% | 65.48% | 63.40% | 56.34% | 58.86% | -1,337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |