Spring Valley, IL · Charter 61626
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Spring Valley, IL · Charter 61626
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -0.53% | 0.67% | -0.12% | -0.30% | -3.35% | -1.52% | -2.05% | -194 bps | |
| Return on Equity | -1.42% | -2.60% | 3.39% | -0.59% | -1.49% | -18.58% | -7.05% | -9.62% | -903 bps | |
| Net Interest Margin | 4.30% | 4.11% | 5.31% | 4.21% | 3.98% | 3.61% | 3.21% | 2.52% | -170 bps | |
| Efficiency Ratio | 106.60% | 112.39% | 86.59% | 102.89% | 107.67% | 195.08% | 147.37% | 181.62% | +7,873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.61% | -2.26% | -2.33% | 3.81% | 0.54% | -4.87% | -12.50% | -10.19% | -1,400 bps | |
| Loan Growth (YoY) | -5.03% | -3.92% | -4.77% | -28.13% | -39.85% | -47.58% | -50.27% | -40.05% | -1,192 bps | |
| Share Growth (YoY) | -6.49% | -2.27% | -2.23% | 5.33% | 1.14% | -2.63% | -8.58% | -5.22% | -1,055 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 17.72% | 23.74% | 28.12% | 31.16% | 27.37% | 38.86% | 23.61% | -451 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 | 3.71% | 3.96% | 4.39% | 5.28% | 6.92% | 13.32% | 26.91% | 25.53% | +2,025 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.91% | 20.36% | 19.89% | 19.95% | 20.05% | 18.05% | 21.60% | 21.35% | +140 bps | |
| Net Worth / Assets | 20.91% | 20.36% | 19.89% | 19.95% | 20.05% | 18.05% | 21.60% | 21.35% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.95% | 57.51% | 50.64% | 45.00% | 36.25% | 30.96% | 27.55% | 28.47% | -1,654 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |