Williamsfield, IL · Cert 10874
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Williamsfield, IL · Cert 10874
FDIC · 1 branch
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.14% | 0.12% | 0.05% | 0.29% | 0.25% | 0.22% | -0.29% | -34 bps | |
| Return on Equity | 1.13% | 1.35% | 1.13% | 0.45% | 2.93% | 2.55% | 2.25% | -2.95% | -340 bps | |
| Net Interest Margin | 2.05% | 2.12% | 2.06% | 2.03% | 2.32% | 2.29% | 2.33% | 2.42% | +39 bps | |
| Efficiency Ratio | 95.19% | 94.29% | 95.27% | 98.11% | 88.94% | 90.71% | 92.03% | 110.66% | +1,254 bps | |
| Non-Interest Burden | 1.94% | 1.99% | 1.95% | 1.99% | 2.02% | 2.04% | 2.11% | 2.71% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 9.33% | 6.58% | 6.31% | 6.57% | 4.66% | 6.18% | 0.72% | -559 bps | |
| Loan Growth (YoY) | 15.01% | 20.67% | 3.48% | -0.66% | 12.85% | 7.72% | 4.14% | 1.88% | +254 bps | |
| Deposit Growth (YoY) | 5.83% | 10.18% | 7.29% | 7.12% | 7.32% | 5.16% | 6.77% | 0.91% | -620 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.93% | 1.95% | 0.76% | 0.00% | 0.00% | -193 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.91% | 1.81% | 1.80% | 1.95% | 1.68% | 1.67% | 1.71% | 1.90% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.0x | 0.9x | 2.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.94% | 10.19% | 9.74% | 9.93% | 10.29% | 9.71% | 9.56% | 9.81% | -12 bps | |
| Total Risk-Based Capital | 30.81% | 29.38% | 31.15% | 30.74% | 33.24% | 27.78% | 28.57% | 31.03% | +30 bps | |
| Equity / Assets | 10.21% | 9.97% | 10.18% | 10.29% | 9.59% | 9.54% | 9.68% | 10.13% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.97% | 37.79% | 39.61% | 37.09% | 38.88% | 38.71% | 38.64% | 37.45% | +36 bps | |
| Liquid Assets / Assets | 40.46% | 39.09% | 42.11% | 41.98% | 37.43% | 42.33% | 41.74% | 43.54% | +156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |