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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.77% | 0.75% | 0.92% | 0.84% | 0.77% | 0.88% | 0.95% | +4 bps | |
| Return on Equity | 5.21% | 8.69% | 8.64% | 10.46% | 9.78% | 9.09% | 10.24% | 10.69% | +23 bps | |
| Net Interest Margin | 3.05% | 2.90% | 2.96% | 3.00% | 2.99% | 2.87% | 2.99% | 3.06% | +6 bps | |
| Efficiency Ratio | 63.67% | 65.52% | 61.86% | 60.19% | 57.68% | 64.13% | 60.76% | 58.25% | -195 bps | |
| Non-Interest Burden | 1.66% | 1.64% | 1.54% | 1.47% | 1.32% | 1.59% | 1.52% | 1.45% | -2 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 | 1.08% | 0.54% | 0.14% | 0.06% | 0.15% | 0.03% | -0.04% | 0.14% | +8 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 |