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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.80% | 0.89% | 0.98% | 0.99% | 0.81% | 1.05% | 1.16% | +19 bps | |
| Return on Equity | 7.85% | 6.72% | 7.60% | 8.21% | 8.28% | 6.55% | 8.30% | 9.09% | +88 bps | |
| Net Interest Margin | 3.18% | 3.18% | 3.26% | 3.34% | 3.29% | 3.30% | 3.35% | 3.39% | +5 bps | |
| Efficiency Ratio | 68.55% | 74.60% | 72.21% | 70.15% | 69.30% | 68.56% | 65.47% | 63.68% | -647 bps | |
| Non-Interest Burden | 1.94% | 2.22% | 2.18% | 2.12% | 2.06% | 2.02% | 1.87% | 1.79% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.78% | -4.82% | -6.00% | -5.62% | -1.35% | -0.01% | -0.98% | 1.89% | +751 bps | |
| Loan Growth (YoY) | 5.49% | 5.78% | 7.05% | 1.53% | 2.56% | 1.77% | -0.07% | 3.49% | +196 bps | |
| Deposit Growth (YoY) | -5.98% | -5.70% | -6.29% | -5.22% | -0.05% | -0.80% | -2.22% | 0.52% | +574 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 1.06% | 0.16% | 0.69% | 0.22% | 0.23% | 0.76% | +59 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 0.74% | 0.75% | 0.73% | 0.74% | 0.72% | 0.86% | 0.85% | 0.82% | +7 bps | |
| Allowance Coverage of NPLs | 5.3x | 5.2x | 0.7x | 4.6x | 1.0x | 3.8x | 3.8x | 1.1x | -3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 12.53% | 12.62% | 13.09% | 12.68% | 12.97% | 13.13% | 13.32% | +23 bps | |
| Total Risk-Based Capital | 19.83% | 20.19% | 20.19% | 21.17% | 20.49% | 20.95% | 21.47% | 20.81% | -36 bps | |
| Equity / Assets | 12.13% | 11.67% | 11.46% | 12.32% | 12.30% | 12.49% | 13.31% | 13.07% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.15% | 61.19% | 64.25% | 62.56% | 64.80% | 62.77% | 65.66% | 64.40% | +185 bps | |
| Liquid Assets / Assets | 0.04% | 0.03% | 0.01% | 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 | n/a | n/a | n/a |