Des Plaines, IL · Charter 62792
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.98% | -0.67% | -0.88% | -1.08% | -1.23% | -1.58% | -1.37% | -1.30% | -23 bps | |
| Return on Equity | -5.26% | -3.75% | -5.01% | -6.06% | -7.04% | -9.41% | -8.41% | -7.94% | -188 bps | |
| Net Interest Margin | 3.05% | 2.74% | 2.73% | 2.78% | 2.74% | 2.49% | 2.50% | 2.57% | -22 bps | |
| Efficiency Ratio | 121.87% | 116.56% | 122.98% | 129.47% | 135.35% | 150.13% | 145.80% | 142.28% | +1,281 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.03% | -1.60% | -1.62% | -0.83% | 0.34% | -1.95% | -0.94% | -0.15% | +68 bps | |
| Loan Growth (YoY) | -2.10% | -3.57% | -6.95% | -6.04% | -9.80% | -9.51% | -8.33% | -3.63% | +241 bps | |
| Share Growth (YoY) | 1.27% | -0.87% | -0.76% | 0.70% | 2.01% | -0.36% | 0.84% | 1.11% | +42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.09% | 0.05% | 0.02% | 0.00% | 0.31% | 0.00% | 0.00% | -2 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 | 0.85% | 0.89% | 0.91% | 0.90% | 0.87% | 0.91% | 0.89% | 0.87% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.71% | 17.86% | 17.61% | 17.75% | 17.42% | 16.78% | 16.34% | 16.38% | -136 bps | |
| Net Worth / Assets | 18.71% | 17.86% | 17.61% | 17.75% | 17.42% | 16.78% | 16.34% | 16.38% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.25% | 63.54% | 61.49% | 62.41% | 59.46% | 57.70% | 55.90% | 59.49% | -293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |