Menard, IL · Charter 65795
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Menard, IL · Charter 65795
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.25% | -0.60% | -0.46% | 0.47% | 0.36% | -0.39% | -0.24% | +22 bps | |
| Return on Equity | -0.02% | 2.99% | -7.28% | -5.23% | 6.47% | 4.68% | -4.96% | -2.73% | +251 bps | |
| Net Interest Margin | 6.40% | 5.91% | 6.22% | 6.53% | 5.14% | 5.53% | 5.96% | 6.60% | +7 bps | |
| Efficiency Ratio | 100.03% | 95.96% | 102.57% | 101.66% | 91.13% | 89.79% | 94.94% | 94.97% | -669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.65% | 2.58% | 1.08% | -0.86% | 15.28% | 3.14% | 2.43% | -3.11% | -226 bps | |
| Loan Growth (YoY) | 21.45% | -1.69% | -0.74% | -6.21% | -8.13% | 0.47% | -2.55% | -7.92% | -170 bps | |
| Share Growth (YoY) | -1.69% | 3.27% | 1.87% | -0.44% | 17.07% | 3.80% | 2.96% | -3.16% | -271 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.56% | 2.05% | 0.76% | 2.52% | 1.64% | 0.31% | 0.58% | -19 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 | 1.11% | 1.23% | 1.23% | 1.22% | 1.35% | 1.73% | 1.79% | 2.05% | +84 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.61% | 8.31% | 8.31% | 8.72% | 7.22% | 7.72% | 7.84% | 8.77% | +4 bps | |
| Net Worth / Assets | 8.61% | 8.31% | 8.31% | 8.72% | 7.22% | 7.72% | 7.84% | 8.77% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.66% | 50.91% | 55.82% | 60.34% | 46.03% | 49.27% | 52.83% | 57.37% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |