Edwardsville, IL · Cert 1039
FDIC · 19 branches
Q3 2019
Market Position · St. Louis, MO-IL · 2019 SOD (annual) · 1.8% share · #11 of 123 inst. · $1.6B of $89.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.65% | 1.07% | 0.89% | 1.05% | 0.81% | 0.73% | 0.51% | -38 bps | |
| Return on Equity | 4.93% | 6.21% | 10.39% | 8.70% | 9.78% | 6.29% | 5.15% | 3.67% | -502 bps | |
| Net Interest Margin | 2.27% | 2.35% | 2.40% | 2.44% | 2.57% | 2.17% | 3.26% | 3.07% | +64 bps | |
| Efficiency Ratio | 75.50% | 76.75% | 67.12% | 71.81% | 65.71% | 54.43% | 73.43% | 75.89% | +408 bps | |
| Non-Interest Burden | 1.39% | 1.50% | 1.04% | 1.32% | 1.24% | 0.98% | 2.27% | 2.25% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | 3.09% | -2.75% | -1.78% | -2.82% | 2.48% | 5.40% | 5.40% | +718 bps | |
| Loan Growth (YoY) | 12.55% | 15.24% | 19.20% | 17.99% | 6.49% | 1.37% | -2.39% | -4.76% | -2,275 bps | |
| Deposit Growth (YoY) | 5.52% | 2.69% | -3.80% | -1.65% | -3.66% | -1.81% | 1.19% | -0.04% | +161 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.36% | 0.29% | 0.31% | 0.37% | 0.35% | 0.28% | 0.31% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | -0.05% | 0.03% | 0.01% | -0.03% | -0.10% | 0.25% | +22 bps | |
| Allowance / Loans | 1.50% | 1.47% | 1.45% | 1.40% | 1.42% | 0.01% | 0.06% | 0.09% | -130 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.1x | 4.9x | 4.5x | 3.8x | 0.0x | 0.2x | 0.3x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.13% | 10.83% | 10.93% | 10.82% | 11.25% | 11.10% | 10.93% | 10.55% | -27 bps | |
| Total Risk-Based Capital | 17.54% | 17.52% | 17.66% | 17.48% | 18.18% | 16.78% | 17.34% | 18.08% | +60 bps | |
| Equity / Assets | 10.45% | 10.49% | 10.15% | 10.29% | 11.27% | 14.50% | 13.86% | 14.05% | +377 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.36% | 58.05% | 56.53% | 58.11% | 61.19% | 59.93% | 54.53% | 55.37% | -274 bps | |
| Liquid Assets / Assets | 0.67% | 0.55% | 5.08% | 3.68% | 0.54% | 3.94% | 11.91% | 16.74% | +1,306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |