Gibson City, IL · Charter 65005
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 1.00% | 0.94% | 1.27% | 1.97% | 2.25% | 2.26% | 2.02% | +75 bps | |
| Return on Equity | 2.96% | 4.22% | 3.86% | 5.30% | 8.61% | 9.37% | 8.76% | 6.38% | +108 bps | |
| Net Interest Margin | 5.78% | 5.70% | 5.80% | 5.93% | 6.36% | 6.34% | 6.62% | 7.80% | +187 bps | |
| Efficiency Ratio | 83.61% | 80.41% | 82.18% | 76.63% | 65.99% | 62.05% | 63.22% | 71.15% | -549 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.56% | 15.58% | 15.95% | 13.28% | 10.94% | 7.08% | 3.34% | -19.58% | -3,286 bps | |
| Loan Growth (YoY) | 2.24% | 12.48% | 20.20% | 19.54% | 31.96% | 29.38% | 1.33% | -25.06% | -4,460 bps | |
| Share Growth (YoY) | 14.92% | 20.18% | 20.66% | 16.01% | 12.23% | 6.78% | 1.23% | -27.85% | -4,386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.60% | 0.60% | 0.11% | 2.79% | 2.04% | 0.00% | 10.90% | +1,079 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 | 3.22% | 3.12% | 1.63% | 1.88% | 2.06% | 2.00% | 2.09% | 3.05% | +117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.70% | 23.75% | 24.30% | 23.86% | 22.89% | 24.01% | 25.76% | 31.62% | +776 bps | |
| Net Worth / Assets | 23.70% | 23.75% | 24.30% | 23.86% | 22.89% | 24.01% | 25.76% | 31.62% | +776 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.93% | 91.35% | 117.43% | 106.76% | 101.04% | 110.69% | 117.54% | 110.88% | +412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |