New Baden, IL · Cert 10887
FDIC · 7 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
New Baden, IL · Cert 10887
FDIC · 7 branches
Q3 2017
Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 0.4% share · #34 of 128 inst. · $0.4B of $103.6B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.77% | 0.76% | 0.82% | 0.82% | 0.77% | 0.82% | 0.87% | +5 bps | |
| Return on Equity | 7.55% | 8.69% | 8.66% | 9.28% | 9.45% | 9.09% | 9.67% | 10.02% | +73 bps | |
| Net Interest Margin | 3.04% | 2.90% | 2.87% | 2.92% | 2.91% | 2.87% | 2.92% | 2.98% | +6 bps | |
| Efficiency Ratio | 63.44% | 65.52% | 63.64% | 62.45% | 61.18% | 64.13% | 62.40% | 60.97% | -148 bps | |
| Non-Interest Burden | 1.62% | 1.64% | 1.55% | 1.53% | 1.46% | 1.59% | 1.55% | 1.53% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.74% | 11.37% | 8.39% | 12.43% | 10.58% | 3.15% | 2.39% | -0.61% | -1,303 bps | |
| Loan Growth (YoY) | 11.24% | 9.04% | 8.28% | 11.92% | 9.76% | 4.26% | 3.15% | 2.44% | -948 bps | |
| Deposit Growth (YoY) | 7.69% | 4.23% | 3.92% | 5.44% | 4.16% | 4.45% | 3.68% | 0.31% | -513 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.71% | 1.58% | 1.07% | +107 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.54% | 0.34% | 0.24% | 0.22% | 0.03% | 0.00% | 0.05% | -19 bps | |
| Allowance / Loans | 1.20% | 1.03% | 1.04% | 1.01% | 1.06% | 1.07% | 1.07% | 1.01% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.7x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 8.69% | 8.52% | 8.65% | 8.23% | 8.40% | 8.58% | 8.89% | +24 bps | |
| Total Risk-Based Capital | 15.20% | 14.78% | 14.73% | 14.68% | 13.92% | 14.33% | 14.79% | 14.75% | +6 bps | |
| Equity / Assets | 9.13% | 8.59% | 8.75% | 8.76% | 8.39% | 8.47% | 8.71% | 9.13% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.33% | 101.99% | 103.87% | 106.15% | 105.72% | 101.81% | 103.34% | 108.40% | +225 bps | |
| Liquid Assets / Assets | 0.03% | 0.15% | 0.30% | 0.06% | 0.03% | 0.03% | 5.00% | 0.84% | +78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |