Des Plains, IL · Charter 65553
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.
Des Plains, IL · Charter 65553
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 | 0.48% | 0.16% | 0.50% | 0.50% | 0.45% | 0.82% | 0.81% | 1.33% | +83 bps | |
| Return on Equity | 1.96% | 0.65% | 2.01% | 1.99% | 1.75% | 3.22% | 3.10% | 4.77% | +278 bps | |
| Net Interest Margin | 5.91% | 5.68% | 5.86% | 6.05% | 6.19% | 6.25% | 5.32% | 5.19% | -86 bps | |
| Efficiency Ratio | 91.87% | 97.16% | 91.44% | 91.74% | 92.67% | 86.94% | 84.83% | 74.42% | -1,732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 1.84% | -1.25% | 1.95% | -3.90% | -0.41% | -1.61% | -5.91% | -786 bps | |
| Loan Growth (YoY) | 5.54% | 6.97% | -9.71% | -2.25% | -10.18% | -9.26% | -8.11% | -24.60% | -2,235 bps | |
| Share Growth (YoY) | 3.93% | 1.83% | -2.20% | 1.90% | -5.75% | -1.17% | -3.09% | -9.23% | -1,113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.16% | 2.56% | 3.49% | 2.50% | 2.97% | 0.47% | 3.41% | 11.68% | +918 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 | 1.35% | 1.44% | 1.60% | 1.65% | 1.83% | 1.93% | 2.07% | 2.57% | +92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.52% | 24.81% | 25.01% | 25.18% | 25.97% | 25.31% | 26.01% | 27.83% | +265 bps | |
| Net Worth / Assets | 24.52% | 24.81% | 25.01% | 25.18% | 25.97% | 25.31% | 26.01% | 27.83% | +265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.91% | 107.94% | 101.47% | 104.66% | 105.69% | 99.10% | 96.21% | 86.94% | -1,772 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |