Rockford, IL · Charter 65335
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 | -0.07% | -0.50% | -0.67% | -0.67% | -0.66% | -0.41% | -0.44% | -0.33% | +34 bps | |
| Return on Equity | -1.06% | -8.02% | -10.89% | -10.72% | -10.43% | -6.64% | -7.06% | -5.29% | +543 bps | |
| Net Interest Margin | 2.01% | 1.77% | 1.82% | 1.90% | 1.98% | 1.87% | 1.86% | 1.88% | -2 bps | |
| Efficiency Ratio | 110.67% | 120.94% | 127.72% | 126.14% | 124.77% | 116.01% | 116.56% | 112.48% | -1,366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.03% | -2.75% | -0.77% | -1.39% | -6.31% | -9.03% | -7.79% | -6.12% | -472 bps | |
| Loan Growth (YoY) | -16.47% | -10.70% | -11.02% | -8.29% | -2.89% | -5.81% | -4.08% | 0.09% | +838 bps | |
| Share Growth (YoY) | -1.00% | -2.86% | -0.49% | -1.06% | -6.15% | -8.94% | -7.78% | -6.09% | -503 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 1.12% | 0.31% | 1.05% | 1.00% | 0.74% | 0.82% | 0.48% | -57 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 | 2.34% | 2.48% | 2.43% | 2.38% | 2.64% | 2.18% | 2.05% | 1.82% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.58% | 6.23% | 6.19% | 6.24% | 6.36% | 6.22% | 6.19% | 6.25% | +1 bps | |
| Net Worth / Assets | 6.58% | 6.23% | 6.19% | 6.24% | 6.36% | 6.22% | 6.19% | 6.25% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.37% | 15.07% | 15.29% | 16.20% | 16.94% | 15.58% | 15.90% | 17.26% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 96.69% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |