Westchester, IL · Charter 68368
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.35% | -0.28% | 0.04% | -1.04% | -1.16% | -0.87% | -0.65% | -69 bps | |
| Return on Equity | -1.68% | -3.39% | -2.64% | 0.36% | -9.80% | -10.48% | -7.64% | -5.51% | -586 bps | |
| Net Interest Margin | 3.17% | 3.19% | 3.24% | 3.26% | 2.86% | 3.04% | 3.11% | 3.17% | -9 bps | |
| Efficiency Ratio | 90.07% | 94.72% | 93.78% | 90.78% | 94.51% | 98.01% | 97.64% | 95.76% | +498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.90% | 10.46% | 8.08% | -3.21% | -2.95% | -9.18% | -9.39% | -10.88% | -767 bps | |
| Loan Growth (YoY) | 1.94% | -2.00% | -1.05% | -11.10% | -10.03% | -7.08% | -6.41% | -7.24% | +386 bps | |
| Share Growth (YoY) | 9.92% | 11.76% | 9.04% | -3.51% | -3.03% | -9.79% | -10.13% | -11.59% | -808 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.51% | 1.97% | 1.86% | 2.15% | 1.92% | 2.04% | 1.61% | 1.95% | -20 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 | 2.79% | 2.19% | 2.26% | 1.58% | 2.01% | 2.30% | 2.41% | 2.51% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.44% | 10.38% | 10.69% | 11.13% | 10.58% | 11.09% | 11.42% | 11.84% | +71 bps | |
| Net Worth / Assets | 10.44% | 10.38% | 10.69% | 11.13% | 10.58% | 11.09% | 11.42% | 11.84% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.77% | 46.42% | 47.42% | 47.88% | 45.24% | 47.81% | 49.38% | 50.24% | +236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |