Minier, IL · Cert 10879
FDIC · 3 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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.
Minier, IL · Cert 10879
FDIC · 3 branches
Q1 2021
Market Position · Peoria, IL · 2020 SOD (annual) · 1.2% share · #14 of 45 inst. · $0.1B of $9.6B
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 1.77% | 1.64% | 1.36% | 1.67% | 1.82% | 1.85% | 0.93% | -44 bps | |
| Return on Equity | 15.31% | 14.30% | 13.32% | 11.34% | 13.93% | 15.10% | 15.49% | 10.62% | -73 bps | |
| Net Interest Margin | 3.43% | 3.43% | 3.34% | 3.16% | 3.19% | 3.21% | 3.14% | 2.99% | -17 bps | |
| Efficiency Ratio | 57.22% | 58.34% | 58.87% | 61.49% | 57.95% | 56.21% | 54.63% | 74.72% | +1,323 bps | |
| Non-Interest Burden | 1.54% | 1.65% | 1.67% | 1.79% | 1.54% | 1.44% | 1.33% | 2.09% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | 1.84% | 7.26% | 8.25% | 15.86% | 14.34% | 15.14% | 22.52% | +1,427 bps | |
| Loan Growth (YoY) | 1.27% | 6.04% | 10.27% | 12.10% | 15.05% | 11.62% | 5.68% | -1.63% | -1,373 bps | |
| Deposit Growth (YoY) | 5.50% | 3.08% | 9.85% | 12.22% | 12.00% | 12.91% | 13.13% | 27.41% | +1,518 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.02% | 0.72% | 0.23% | 0.00% | 0.31% | 0.66% | -6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 0.80% | 0.76% | 0.72% | 0.72% | 0.70% | 0.68% | 0.68% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 31.0x | 1.0x | 3.1x | n/a | 2.2x | 1.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.52% | 12.66% | 12.36% | 12.02% | 11.90% | 11.96% | 11.69% | 6.03% | -600 bps | |
| Total Risk-Based Capital | 21.69% | 21.70% | 20.93% | 21.75% | 22.02% | 21.65% | 21.47% | 14.05% | -770 bps | |
| Equity / Assets | 12.69% | 12.76% | 12.10% | 11.96% | 11.93% | 12.16% | 11.72% | 6.02% | -594 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.72% | 87.92% | 88.90% | 87.05% | 85.99% | 86.91% | 83.04% | 67.21% | -1,984 bps | |
| Liquid Assets / Assets | 4.60% | 2.18% | 3.91% | 3.51% | 8.71% | 6.85% | 6.64% | 5.14% | +163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |