Pleasant Plains, IL · Cert 10868
FDIC · 4 branches
Q4 2015
Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.0% share · #106 of 135 inst. · $0.0B of $89.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 0.82% | 0.60% | 0.87% | -0.46% | -197 bps | |
| Return on Equity | 13.82% | 7.25% | 5.44% | 7.93% | -4.18% | -1,800 bps | |
| Net Interest Margin | 3.27% | 2.99% | 2.97% | 2.88% | 2.87% | -40 bps | |
| Efficiency Ratio | 65.84% | 66.12% | 65.72% | 67.25% | 78.97% | +1,313 bps | |
| Non-Interest Burden | 1.94% | 1.85% | 1.77% | 1.77% | 2.19% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.51% | -4.37% | -2.70% | 2.84% | -2.54% | +297 bps | |
| Loan Growth (YoY) | -14.56% | -19.55% | -14.69% | -8.23% | -7.95% | +660 bps | |
| Deposit Growth (YoY) | -8.04% | -5.87% | -1.82% | 4.25% | -0.52% | +751 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 9.95% | 0.29% | 0.03% | 0.11% | 0.09% | -986 bps | |
| Allowance / Loans | 1.50% | 1.55% | 1.68% | 1.63% | 1.67% | +17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 11.31% | 11.41% | 11.25% | 10.55% | n/a | |
| Total Risk-Based Capital | 22.03% | 21.11% | 21.12% | 21.08% | 19.65% | -238 bps | |
| Equity / Assets | 11.13% | 11.43% | 10.71% | 11.14% | 10.92% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.17% | 50.35% | 49.07% | 49.75% | 51.05% | -412 bps | |
| Liquid Assets / Assets | 2.25% | 2.72% | 4.96% | 8.08% | 19.01% | +1,677 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |