Alton, IL · Charter 65348
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.33% | -2.40% | -1.42% | -1.30% | -1.26% | -1.29% | -3.50% | -3.33% | -203 bps | |
| Return on Equity | -40.97% | -15.49% | -8.15% | -7.34% | -7.54% | -7.64% | -22.34% | -20.61% | -1,327 bps | |
| Net Interest Margin | 4.63% | 4.89% | 4.92% | 5.01% | 4.65% | 5.83% | 4.91% | 4.93% | -9 bps | |
| Efficiency Ratio | 186.35% | 136.75% | 119.15% | 116.81% | 117.25% | 115.29% | 142.82% | 140.59% | +2,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.75% | -14.54% | -10.79% | -17.04% | -5.68% | -8.61% | -6.79% | -10.11% | +692 bps | |
| Loan Growth (YoY) | -11.29% | 4.26% | 4.58% | 2.51% | -0.65% | -1.37% | -4.40% | -14.43% | -1,695 bps | |
| Share Growth (YoY) | -12.79% | -11.25% | -9.08% | -17.94% | -7.08% | -10.22% | -4.84% | -8.40% | +954 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.07% | 5.63% | 5.37% | 6.38% | 7.10% | 2.76% | 3.46% | 4.08% | -230 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 | 6.66% | 6.56% | 4.14% | 3.16% | 3.41% | 2.03% | 1.87% | 2.12% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.44% | 15.47% | 17.41% | 17.72% | 16.68% | 16.94% | 15.68% | 16.15% | -157 bps | |
| Net Worth / Assets | 15.44% | 15.47% | 17.41% | 17.72% | 16.68% | 16.94% | 15.68% | 16.15% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.42% | 79.86% | 87.82% | 90.50% | 82.78% | 87.73% | 88.22% | 84.54% | -596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |