Danforth, IL · Cert 10802
FDIC · 2 branches
Q3 2019
Market Position · Kankakee, IL · 2019 SOD (annual) · 1.1% share · #13 of 16 inst. · $0.0B of $1.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.04% | 0.81% | 1.29% | 1.40% | +25 bps | |
| Return on Equity | 9.67% | 8.44% | 6.55% | 9.98% | 10.59% | +92 bps | |
| Net Interest Margin | 3.38% | 3.31% | 3.30% | 3.38% | 3.44% | +7 bps | |
| Efficiency Ratio | 66.29% | 66.78% | 68.56% | 62.67% | 60.33% | -597 bps | |
| Non-Interest Burden | 1.94% | 1.98% | 2.02% | 1.71% | 1.62% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.62% | -1.35% | -0.01% | -0.98% | 1.89% | +751 bps | |
| Loan Growth (YoY) | 1.53% | 2.56% | 1.77% | -0.07% | 3.49% | +196 bps | |
| Deposit Growth (YoY) | -5.22% | -0.05% | -0.80% | -2.22% | 0.52% | +574 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.69% | 0.22% | 0.23% | 0.76% | +59 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | +8 bps | |
| Allowance / Loans | 0.74% | 0.72% | 0.86% | 0.85% | 0.82% | +7 bps | |
| Allowance Coverage of NPLs | 4.6x | 1.0x | 3.8x | 3.8x | 1.1x | -3.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.09% | 12.68% | 12.97% | 13.13% | 13.32% | +23 bps | |
| Total Risk-Based Capital | 21.17% | 20.49% | 20.95% | 21.47% | 20.81% | -36 bps | |
| Equity / Assets | 12.32% | 12.30% | 12.49% | 13.31% | 13.07% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.56% | 64.80% | 62.77% | 65.66% | 64.40% | +185 bps | |
| Liquid Assets / Assets | 0.03% | 0.00% | 0.42% | 0.48% | 0.48% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |