Johnston City, IL · Charter 65753
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.56% | -2.95% | -0.39% | -1.10% | -1.28% | -2.64% | -1.03% | -1.52% | -42 bps | |
| Return on Equity | -6.76% | -14.22% | -1.94% | -5.60% | -6.46% | -14.94% | -6.12% | -9.56% | -396 bps | |
| Net Interest Margin | 1.54% | 0.24% | 2.18% | 1.13% | 1.15% | -0.03% | 2.01% | 1.57% | +44 bps | |
| Efficiency Ratio | 194.32% | 1330% | 118.05% | 197.35% | 211% | n/a | 151.36% | 196.67% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.80% | -7.54% | 1.24% | 0.85% | 2.92% | 2.47% | 3.28% | 5.76% | +491 bps | |
| Loan Growth (YoY) | -17.43% | 0.14% | 0.26% | -6.99% | -12.68% | -13.41% | -8.84% | -20.02% | -1,303 bps | |
| Share Growth (YoY) | -12.26% | -6.16% | 5.07% | 4.98% | 7.39% | 6.45% | 7.64% | 10.77% | +579 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 2.95% | 2.33% | 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 | 12.46% | 14.00% | 14.79% | 14.55% | 14.04% | 15.59% | 16.22% | 20.16% | +562 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.07% | 20.75% | 20.25% | 19.70% | 19.73% | 17.67% | 16.88% | 15.90% | -380 bps | |
| Net Worth / Assets | 23.07% | 20.75% | 20.25% | 19.70% | 19.73% | 17.67% | 16.88% | 15.90% | -380 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.19% | 13.08% | 11.61% | 11.67% | 12.35% | 10.64% | 9.83% | 8.42% | -324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |