Springfield, IL · Charter 65624
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.
Springfield, IL · Charter 65624
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 | -1.26% | -0.31% | -0.66% | -0.55% | -1.10% | -2.71% | -2.61% | -5.13% | -457 bps | |
| Return on Equity | -10.05% | -2.50% | -5.41% | -4.51% | -9.67% | -26.33% | -23.08% | -54.97% | -5,046 bps | |
| Net Interest Margin | 4.50% | 3.64% | 3.51% | 3.54% | 3.33% | 2.43% | 2.81% | 1.93% | -161 bps | |
| Efficiency Ratio | 96.32% | 106.63% | 114.69% | 111.72% | 124.67% | 193.69% | 168.85% | 272% | +16,037 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.14% | -0.39% | -0.12% | -0.21% | 1.22% | 2.19% | -8.98% | -12.23% | -1,202 bps | |
| Loan Growth (YoY) | -25.58% | -30.98% | -31.40% | -30.83% | -28.36% | -27.82% | -27.96% | -21.17% | +966 bps | |
| Share Growth (YoY) | 5.22% | 0.72% | 1.51% | 1.46% | 3.42% | 4.73% | -8.29% | -9.39% | -1,085 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.56% | 1.60% | 2.14% | 2.59% | 2.40% | 1.28% | 0.76% | 0.47% | -212 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 | 4.61% | 4.01% | 4.30% | 4.13% | 4.18% | 4.07% | 4.16% | 4.40% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.58% | 12.22% | 12.27% | 12.26% | 11.43% | 10.29% | 11.32% | 9.33% | -294 bps | |
| Net Worth / Assets | 12.58% | 12.22% | 12.27% | 12.26% | 11.43% | 10.29% | 11.32% | 9.33% | -294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.44% | 41.25% | 38.78% | 35.86% | 33.56% | 28.43% | 30.46% | 31.20% | -466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |