Quincy, IL · Cert 11301
FDIC · 7 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.21% | 1.18% | 2.76% | 1.87% | 1.80% | 1.60% | 0.94% | -181 bps | |
| Return on Equity | 11.66% | 12.80% | 12.40% | 27.85% | 18.61% | 17.81% | 16.28% | 10.65% | -1,721 bps | |
| Net Interest Margin | 2.88% | 3.00% | 3.05% | 2.94% | 2.96% | 3.06% | 3.05% | 3.05% | +10 bps | |
| Efficiency Ratio | 63.75% | 62.27% | 62.94% | 66.68% | 65.15% | 62.94% | 62.85% | 63.85% | -283 bps | |
| Non-Interest Burden | 1.56% | 1.55% | 1.61% | 1.70% | 1.66% | 1.61% | 1.61% | 1.70% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.29% | -2.76% | -3.85% | -4.50% | -2.71% | 0.95% | 6.55% | 6.18% | +1,068 bps | |
| Loan Growth (YoY) | -12.05% | -4.84% | -6.42% | -6.74% | -5.97% | -3.35% | 3.97% | -0.09% | +665 bps | |
| Deposit Growth (YoY) | 0.07% | 2.37% | 0.06% | -3.86% | -3.04% | -0.78% | -3.50% | -1.61% | +224 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.44% | 0.40% | 0.35% | 0.28% | 0.22% | 0.20% | 0.22% | -12 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.21% | 0.31% | 0.33% | 0.18% | 0.20% | 0.18% | 0.10% | -22 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.12% | 1.07% | 1.08% | 1.10% | 1.07% | 1.08% | +1 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.6x | 2.8x | 3.1x | 3.8x | 5.0x | 5.4x | 4.8x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.38% | 8.77% | 8.99% | 9.52% | 9.65% | 9.70% | 8.42% | 8.43% | -109 bps | |
| Total Risk-Based Capital | 12.17% | 12.76% | 12.99% | 13.95% | 14.00% | 13.92% | 12.10% | 12.76% | -119 bps | |
| Equity / Assets | 9.34% | 9.94% | 9.71% | 10.10% | 10.36% | 10.23% | 8.76% | 8.99% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.83% | 85.32% | 80.65% | 81.39% | 83.24% | 83.11% | 86.90% | 82.65% | +126 bps | |
| Liquid Assets / Assets | 5.21% | 2.86% | 4.61% | 4.20% | 3.04% | 1.64% | 4.95% | 7.02% | +282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |