PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Freeport City Employees

Freeport, IL · Charter 65631

Q1 2015

$452KAssets
$116KLoans
$358KShares
$94KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.32%, up 107 bps year over year; NIM at 1.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.79%, up 328 bps from a year ago.
  • Funding: loans stand at 32.41% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-2.32%+107 bps YoY

Net Interest Margin (YTD, annualized)

1.87%+47 bps YoY

Efficiency Ratio (YTD, annualized)

221%-11,531 bps YoY

Net Worth / Assets

20.79%+328 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-3.39%-1.35%-0.95%-0.71%-2.32%+107 bps
Return on Equity-19.36%-7.41%-4.85%-3.59%-11.16%+821 bps
Net Interest Margin1.40%1.61%1.69%1.66%1.87%+47 bps
Efficiency Ratio336%169.18%147.55%136.86%221%-11,531 bps
Growth
Asset Growth (YoY)-6.23%-7.54%-9.05%-9.94%-17.12%-1,090 bps
Loan Growth (YoY)-6.11%-13.81%-11.82%-7.03%-3.41%+270 bps
Share Growth (YoY)-6.02%-8.11%-10.12%-11.39%-20.42%-1,440 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans16.18%17.33%14.71%15.26%16.76%+57 bps
Capital
Risk-Based Capital17.50%18.27%19.57%19.70%20.79%+328 bps
Net Worth / Assets17.50%18.27%19.57%19.70%20.79%+328 bps
Liquidity & Funding
Loans / Shares26.70%25.98%33.30%32.36%32.41%+571 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps