Franklin Grove, IL · Cert 9636
FDIC · 1 branch
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.94% | 1.05% | 0.83% | 0.74% | 0.76% | 0.79% | 0.12% | -1.97% | -271 bps | |
| Return on Equity | -5.64% | 6.24% | 4.84% | 4.30% | 4.46% | 4.54% | 0.70% | -11.20% | -1,550 bps | |
| Net Interest Margin | 3.04% | 2.98% | 3.16% | 3.04% | 3.05% | 3.02% | 2.60% | 2.26% | -78 bps | |
| Efficiency Ratio | 60.32% | 60.57% | 65.22% | 65.98% | 57.92% | 64.14% | 74.38% | 183.14% | +11,716 bps | |
| Non-Interest Burden | 1.77% | 1.72% | 2.00% | 1.96% | 1.72% | 1.88% | 1.91% | 4.23% | +226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.57% | -1.98% | -4.64% | -3.63% | -2.68% | -4.10% | -2.10% | -6.33% | -269 bps | |
| Loan Growth (YoY) | -3.63% | -3.40% | -0.62% | 14.91% | -0.23% | 2.38% | -14.47% | -31.56% | -4,647 bps | |
| Deposit Growth (YoY) | -3.96% | -2.02% | -5.25% | -3.96% | -3.31% | -5.05% | -2.41% | -7.06% | -310 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 8.98% | 0.00% | 0.00% | -0.37% | 0.00% | 0.00% | -1.17% | -1.25% | -88 bps | |
| Allowance / Loans | 0.67% | 0.74% | 0.71% | 0.90% | 1.08% | 1.11% | 1.41% | 2.08% | +118 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 16.94% | 17.20% | 17.35% | 17.39% | 17.33% | +39 bps | |
| Total Risk-Based Capital | 30.64% | 31.56% | 28.56% | 28.35% | 31.20% | 31.65% | 32.10% | 36.42% | +807 bps | |
| Equity / Assets | 16.68% | 16.88% | 17.38% | 16.99% | 17.19% | 17.59% | 17.56% | 17.65% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.89% | 54.52% | 66.22% | 64.89% | 57.67% | 58.79% | 58.04% | 47.79% | -1,711 bps | |
| Liquid Assets / Assets | 27.33% | 40.97% | 41.70% | 41.26% | 41.31% | 45.49% | 47.24% | 53.57% | +1,231 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |