Rosiclare, IL · Cert 9641
FDIC · 4 branches
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.67% | 0.61% | 0.62% | 0.61% | 0.76% | 0.73% | 0.44% | -19 bps | |
| Return on Equity | 10.51% | 8.15% | 8.00% | 8.42% | 8.41% | 11.08% | 10.14% | 5.88% | -255 bps | |
| Net Interest Margin | 2.75% | 2.15% | 2.12% | 2.27% | 2.27% | 2.40% | 2.34% | 2.30% | +3 bps | |
| Efficiency Ratio | 72.08% | 75.97% | 75.90% | 75.70% | 77.29% | 77.06% | 77.12% | 81.21% | +552 bps | |
| Non-Interest Burden | 1.86% | 1.51% | 1.48% | 1.58% | 1.63% | 1.73% | 1.68% | 1.77% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.30% | 54.30% | 50.57% | 43.36% | 29.47% | 0.86% | 5.80% | 3.62% | -3,974 bps | |
| Loan Growth (YoY) | 4.41% | 4.50% | 15.24% | 21.02% | 15.96% | 11.12% | 8.03% | -8.79% | -2,981 bps | |
| Deposit Growth (YoY) | 7.46% | 54.74% | 53.43% | 51.78% | 50.00% | 2.81% | 6.12% | 2.56% | -4,922 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 | -0.12% | -0.03% | 2.83% | 1.75% | 1.32% | 0.17% | 0.04% | 0.05% | -170 bps | |
| Allowance / Loans | 2.62% | 2.57% | 1.32% | 1.35% | 1.40% | 1.44% | 1.43% | 1.56% | +21 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.02% | 19.37% | 19.37% | 18.71% | 18.80% | 19.10% | 19.13% | 22.20% | +349 bps | |
| Equity / Assets | 8.04% | 8.31% | 6.76% | 6.60% | 6.57% | 7.09% | 7.80% | 8.13% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.16% | 27.27% | 29.38% | 30.70% | 31.05% | 29.47% | 29.91% | 27.30% | -340 bps | |
| Liquid Assets / Assets | 0.17% | 0.12% | 0.13% | 0.13% | 0.13% | 0.12% | 0.03% | 0.00% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |