Bensenville, IL · Charter 97042
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -1.67% | 0.18% | 0.00% | 0.21% | -0.47% | -7.30% | -4.89% | -489 bps | |
| Return on Equity | -1.19% | -27.54% | 2.96% | 0.00% | 3.24% | -8.27% | -2015% | n/a | n/a | |
| Net Interest Margin | 4.16% | 4.16% | 3.90% | 4.72% | 4.92% | 4.93% | 4.81% | 4.71% | -1 bps | |
| Efficiency Ratio | 92.39% | 96.68% | 102.03% | 102.77% | 97.99% | 101.13% | 119.87% | 120.26% | +1,750 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.91% | 2.15% | -0.31% | -14.70% | -17.32% | -17.66% | -21.33% | -12.93% | +177 bps | |
| Loan Growth (YoY) | -11.72% | -8.12% | -5.56% | -4.87% | -3.97% | -10.28% | -12.10% | -16.04% | -1,117 bps | |
| Share Growth (YoY) | -2.89% | 2.18% | 0.64% | -14.34% | -17.59% | -17.83% | -16.79% | -6.33% | +801 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 6.63% | 6.46% | 5.69% | 6.50% | 1.06% | 4.25% | 2.88% | -281 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 | 1.09% | 3.32% | 2.90% | 2.74% | 2.78% | 2.61% | 8.57% | 6.55% | +382 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.72% | 6.08% | 6.05% | 6.18% | 6.61% | 5.72% | 0.36% | -0.11% | -630 bps | |
| Net Worth / Assets | 7.72% | 6.08% | 6.05% | 6.18% | 6.61% | 5.72% | 0.36% | -0.11% | -630 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.86% | 69.12% | 66.79% | 78.48% | 82.58% | 75.47% | 70.55% | 70.35% | -814 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |