Tinley Park, IL · Charter 65654
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.17% | -0.28% | 0.13% | 0.24% | 0.35% | 0.14% | -2.01% | -215 bps | |
| Return on Equity | -2.82% | -1.35% | -2.17% | 1.05% | 1.88% | 2.63% | 1.03% | -15.28% | -1,633 bps | |
| Net Interest Margin | 2.13% | 2.16% | 2.25% | 2.16% | 2.20% | 2.25% | 2.34% | 2.36% | +20 bps | |
| Efficiency Ratio | 98.94% | 96.28% | 100.70% | 89.73% | 87.26% | 83.98% | 92.48% | 173.04% | +8,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.98% | -0.90% | -2.55% | -0.99% | -1.86% | -2.86% | -3.52% | -6.23% | -525 bps | |
| Loan Growth (YoY) | -2.51% | 2.82% | 14.58% | 11.64% | 19.70% | 24.83% | 7.88% | 6.03% | -562 bps | |
| Share Growth (YoY) | -4.25% | -0.70% | -2.68% | -0.94% | -2.11% | -3.44% | -4.15% | -7.01% | -607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 1.08% | 0.61% | 0.06% | 0.00% | 0.33% | 0.31% | 0.00% | -6 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 | 0.82% | 0.80% | 0.44% | 0.48% | 0.48% | 0.44% | 0.49% | 0.35% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.62% | 12.78% | 13.08% | 12.72% | 12.88% | 13.27% | 13.69% | 13.17% | +45 bps | |
| Net Worth / Assets | 12.62% | 12.78% | 13.08% | 12.72% | 12.88% | 13.27% | 13.69% | 13.17% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.05% | 29.08% | 35.50% | 33.56% | 34.30% | 37.59% | 39.95% | 38.26% | +470 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |