Elgin, IL · Charter 81274
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
Elgin, IL · Charter 81274
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 | -2.26% | -2.14% | -1.79% | -1.21% | -0.80% | -0.66% | -1.06% | -0.51% | +69 bps | |
| Return on Equity | -14.24% | -14.30% | -12.05% | -8.61% | -5.77% | -4.80% | -8.06% | -3.94% | +467 bps | |
| Net Interest Margin | 2.50% | 2.63% | 2.74% | 3.02% | 3.19% | 3.35% | 3.39% | 3.56% | +54 bps | |
| Efficiency Ratio | 165.90% | 154.54% | 152.26% | 132.40% | 120.52% | 116.23% | 127.88% | 107.08% | -2,531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.64% | 15.66% | 17.22% | 14.31% | 6.72% | 3.28% | 4.74% | 0.31% | -1,400 bps | |
| Loan Growth (YoY) | 42.71% | 59.95% | 60.19% | 41.94% | 36.54% | 20.83% | 17.81% | 8.54% | -3,340 bps | |
| Share Growth (YoY) | 12.82% | 23.30% | 24.68% | 19.85% | 9.57% | 4.78% | 6.97% | 1.56% | -1,829 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.36% | 2.42% | 2.12% | 1.73% | 0.48% | 0.36% | 0.59% | 0.55% | -118 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 | 4.03% | 3.03% | 2.43% | 2.30% | 0.99% | 0.97% | 1.01% | 1.08% | -122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.88% | 14.94% | 14.82% | 13.99% | 13.83% | 13.80% | 13.10% | 13.06% | -93 bps | |
| Net Worth / Assets | 15.88% | 14.94% | 14.82% | 13.99% | 13.83% | 13.80% | 13.10% | 13.06% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.97% | 55.87% | 57.09% | 57.47% | 62.27% | 64.42% | 62.88% | 61.42% | +395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |