Bloomington, IL · Charter 62524
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Bloomington, IL · Charter 62524
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.44% | -0.56% | -0.64% | -0.63% | -0.84% | -1.05% | -2.02% | -137 bps | |
| Return on Equity | -1.65% | -5.95% | -7.58% | -9.20% | -8.75% | -11.67% | -15.46% | -66.87% | -5,768 bps | |
| Net Interest Margin | 4.33% | 4.36% | 4.45% | 4.03% | 4.15% | 4.28% | 4.23% | 3.94% | -9 bps | |
| Efficiency Ratio | 96.66% | 99.42% | 99.08% | 108.24% | 107.44% | 107.56% | 110.00% | 123.16% | +1,492 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | 0.52% | -1.50% | 1.37% | -4.62% | -7.15% | -5.77% | -8.00% | -937 bps | |
| Loan Growth (YoY) | -3.78% | 1.47% | -2.02% | -9.66% | -13.11% | -16.19% | -16.23% | -11.68% | -201 bps | |
| Share Growth (YoY) | -0.48% | 0.93% | -1.04% | 2.26% | -4.22% | -6.94% | -5.22% | -7.27% | -953 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 1.14% | 0.95% | 1.68% | 1.90% | 1.44% | 1.28% | 0.77% | -91 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 | 1.26% | 1.29% | 1.35% | 1.29% | 1.51% | 1.51% | 1.42% | 1.29% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.65% | 7.46% | 7.38% | 6.98% | 7.21% | 7.18% | 6.78% | 3.02% | -397 bps | |
| Net Worth / Assets | 7.65% | 7.46% | 7.38% | 6.98% | 7.21% | 7.18% | 6.78% | 3.02% | -397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.53% | 61.16% | 59.30% | 52.41% | 53.10% | 55.08% | 52.41% | 49.91% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |