Freeport, IL · Charter 65631
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | -1.40% | -1.22% | -3.39% | -1.35% | -0.95% | -0.71% | -2.32% | +107 bps | |
| Return on Equity | -10.41% | -7.55% | -6.64% | -19.36% | -7.41% | -4.85% | -3.59% | -11.16% | +821 bps | |
| Net Interest Margin | 1.41% | 1.55% | 1.55% | 1.40% | 1.61% | 1.69% | 1.66% | 1.87% | +47 bps | |
| Efficiency Ratio | 221% | 183.33% | 173.07% | 336% | 169.18% | 147.55% | 136.86% | 221% | -11,531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | -0.18% | -0.79% | -6.23% | -7.54% | -9.05% | -9.94% | -17.12% | -1,090 bps | |
| Loan Growth (YoY) | -10.06% | 12.60% | -8.72% | -6.11% | -13.81% | -11.82% | -7.03% | -3.41% | +270 bps | |
| Share Growth (YoY) | 0.76% | 1.18% | 0.53% | -6.02% | -8.11% | -10.12% | -11.39% | -20.42% | -1,440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 14.94% | 12.97% | 14.19% | 16.18% | 17.33% | 14.71% | 15.26% | 16.76% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.76% | 18.61% | 18.39% | 17.50% | 18.27% | 19.57% | 19.70% | 20.79% | +328 bps | |
| Net Worth / Assets | 17.76% | 18.61% | 18.39% | 17.50% | 18.27% | 19.57% | 19.70% | 20.79% | +328 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.70% | 33.94% | 30.85% | 26.70% | 25.98% | 33.30% | 32.36% | 32.41% | +571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |