Flossmoor, IL · Charter 65741
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.
Flossmoor, IL · Charter 65741
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 | -0.53% | -0.17% | -0.44% | -0.33% | -0.42% | -0.40% | -0.50% | -0.44% | -11 bps | |
| Return on Equity | -3.77% | -1.27% | -3.40% | -2.43% | -3.16% | -3.10% | -3.88% | -3.29% | -87 bps | |
| Net Interest Margin | 2.24% | 2.12% | 2.16% | 2.27% | 2.33% | 2.25% | 2.16% | 2.22% | -5 bps | |
| Efficiency Ratio | 120.60% | 106.52% | 117.98% | 112.71% | 116.04% | 116.38% | 120.76% | 117.68% | +497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 5.86% | 7.41% | 1.89% | 0.27% | -0.05% | -2.13% | -2.51% | -440 bps | |
| Loan Growth (YoY) | -14.74% | -4.03% | -7.00% | -3.60% | 2.27% | -3.75% | -6.14% | -8.87% | -526 bps | |
| Share Growth (YoY) | 7.21% | 7.48% | 9.85% | 3.29% | 1.68% | 1.13% | -1.94% | -2.37% | -566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.80% | 3.98% | 2.23% | 3.87% | 3.37% | 3.51% | 3.94% | 1.84% | -204 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 | 2.69% | 2.83% | 2.11% | 2.29% | 2.86% | 3.11% | 2.80% | 0.39% | -190 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.08% | 13.67% | 13.02% | 13.48% | 13.42% | 13.07% | 12.78% | 13.24% | -24 bps | |
| Net Worth / Assets | 14.08% | 13.67% | 13.02% | 13.48% | 13.42% | 13.07% | 12.78% | 13.24% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.57% | 13.35% | 12.62% | 12.97% | 13.65% | 12.70% | 12.08% | 12.10% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |