Marion, IL · Charter 64788
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.
Marion, IL · Charter 64788
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 | -0.93% | -0.64% | -0.90% | -1.42% | -0.38% | 0.12% | -0.36% | -0.57% | +85 bps | |
| Return on Equity | -5.70% | -4.09% | -3.91% | -7.87% | -1.92% | 0.67% | -1.53% | -2.91% | +495 bps | |
| Net Interest Margin | 2.81% | 2.65% | 4.05% | 3.17% | 3.32% | 3.00% | 3.98% | 4.64% | +147 bps | |
| Efficiency Ratio | 132.03% | 123.29% | 120.66% | 144.25% | 110.51% | 96.35% | 108.46% | 112.11% | -3,214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | -0.71% | -12.24% | -1.37% | -18.41% | -11.47% | -3.53% | -7.86% | -649 bps | |
| Loan Growth (YoY) | -8.25% | -9.67% | -9.94% | 3.82% | -11.94% | 12.13% | 12.22% | 9.52% | +570 bps | |
| Share Growth (YoY) | 4.71% | 0.92% | -14.49% | -0.85% | -21.63% | -13.55% | -4.13% | -9.53% | -868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.07% | 9.97% | 4.87% | 6.48% | 4.65% | 3.21% | 15.86% | 4.24% | -224 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 | 8.86% | 10.69% | 8.20% | 10.38% | 10.50% | 8.40% | 9.08% | 9.45% | -93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.39% | 15.72% | 22.97% | 18.07% | 19.69% | 17.70% | 23.45% | 19.55% | +148 bps | |
| Net Worth / Assets | 16.39% | 15.72% | 22.97% | 18.07% | 19.69% | 17.70% | 23.45% | 19.55% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.45% | 23.53% | 35.07% | 24.75% | 27.48% | 30.52% | 41.06% | 29.96% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |