Lasalle, IL · Charter 62919
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 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.
Lasalle, IL · Charter 62919
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -1.12% | -1.15% | -1.23% | -1.49% | -2.21% | -2.04% | -3.51% | -228 bps | |
| Return on Equity | -3.30% | -3.23% | -3.30% | -3.33% | -4.11% | -6.17% | -5.69% | -9.67% | -634 bps | |
| Net Interest Margin | 2.46% | 1.97% | 1.83% | 1.94% | 1.86% | 1.60% | 1.55% | 1.54% | -40 bps | |
| Efficiency Ratio | 149.14% | 155.95% | 155.78% | 158.12% | 174.59% | 234% | 228% | 323% | +16,490 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.25% | 2.35% | 3.69% | -4.00% | -5.16% | -7.82% | -7.73% | -6.57% | -256 bps | |
| Loan Growth (YoY) | -7.64% | -10.09% | 2.04% | 0.98% | 17.53% | 15.64% | -4.69% | -16.59% | -1,757 bps | |
| Share Growth (YoY) | 2.22% | 5.40% | 7.81% | -4.28% | -5.97% | -9.59% | -9.13% | -5.82% | -154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.91% | 9.54% | 7.28% | 6.98% | 9.96% | 6.20% | 6.20% | 9.63% | +265 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 | 5.11% | 5.63% | 4.86% | 5.01% | 4.36% | 4.89% | 3.32% | 3.89% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.91% | 34.63% | 34.88% | 36.96% | 36.37% | 35.83% | 35.89% | 36.31% | -65 bps | |
| Net Worth / Assets | 35.91% | 34.63% | 34.88% | 36.96% | 36.37% | 35.83% | 35.89% | 36.31% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.05% | 35.49% | 41.98% | 44.99% | 51.30% | 45.40% | 44.03% | 39.84% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |