Brimfield, IL · Cert 10856
FDIC · 1 branch
Q2 2016
Market Position · Peoria, IL · 2016 SOD (annual) · 0.5% share · #26 of 40 inst. · $0.0B of $7.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60%1 | 0.16% | -0.03% | 0.83% | 2.73% | -0.24% | 0.10% | -4.37% | -520 bps | |
| Return on Equity | 5.83% | 1.56% | -0.25% | 7.83% | 25.33% | -2.22% | 0.92% | -40.26% | -4,809 bps | |
| Net Interest Margin | 3.18% | 3.18% | 2.89% | 3.23% | 3.17% | 2.96% | 2.95% | 2.50% | -73 bps | |
| Efficiency Ratio | 92.57% | 95.00% | 112.69% | 80.07% | 100.00% | 95.03% | 104.05% | 277% | +19,725 bps | |
| Non-Interest Burden | 2.84% | 2.96% | 3.35% | 2.21% | 3.16% | 2.76% | 3.09% | 8.95% | +674 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | 3.35% | -4.10% | -2.45% | 3.64% | -3.98% | 6.35% | -6.36% | -390 bps | |
| Loan Growth (YoY) | 13.47% | 13.37% | 7.86% | 5.04% | -1.23% | -6.41% | -8.24% | -22.30% | -2,733 bps | |
| Deposit Growth (YoY) | 0.70% | 1.27% | -7.14% | -0.63% | 3.28% | 1.84% | 8.83% | -4.91% | -428 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 | -0.16% | -0.06% | 0.40% | -0.18% | -0.72% | -0.05% | -0.96% | -0.24% | -7 bps | |
| Allowance / Loans | 1.76% | 1.78% | 1.73% | 1.65% | 1.05% | 1.11% | 1.25% | 1.38% | -28 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 | 9.72% | 10.55% | 11.25% | 11.39% | 11.16% | 9.97% | -58 bps | |
| Total Risk-Based Capital | 18.39% | 18.25% | 18.09% | 17.58% | 19.61% | 20.71% | 22.77% | 21.30% | +372 bps | |
| Equity / Assets | 10.51% | 10.06% | 10.59% | 10.62% | 10.94% | 11.15% | 10.74% | 10.97% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.43% | 79.21% | 77.97% | 83.25% | 77.87% | 72.79% | 65.74% | 68.03% | -1,522 bps | |
| Liquid Assets / Assets | 2.47% | 6.03% | 6.50% | 2.70% | 9.90% | 10.31% | 25.47% | 0.32% | -237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |