Paxton, IL · Cert 12104
FDIC · 3 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 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.
Paxton, IL · Cert 12104
FDIC · 3 branches
Q3 2018
Market Position · Champaign-Urbana, IL · 2018 SOD (annual) · 1.5% share · #16 of 36 inst. · $0.1B of $6.4B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.83% | 1.01% | 1.23% | 1.42% | +50 bps | |
| Return on Equity | 7.94% | 7.08% | 8.59% | 10.34% | 11.85% | +391 bps | |
| Net Interest Margin | 2.62% | 2.66% | 2.68% | 2.79% | 2.74% | +12 bps | |
| Efficiency Ratio | 69.49% | 69.81% | 67.88% | 61.66% | 60.86% | -863 bps | |
| Non-Interest Burden | 1.68% | 1.72% | 1.63% | 1.36% | 1.36% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | -2.41% | -2.29% | -5.73% | -8.55% | -1,114 bps | |
| Loan Growth (YoY) | 6.94% | 6.11% | 1.14% | -2.29% | -0.25% | -718 bps | |
| Deposit Growth (YoY) | 3.39% | 1.07% | -2.39% | -6.16% | -9.12% | -1,251 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.30% | 2.12% | 1.90% | 1.79% | 1.85% | +55 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.31% | 0.27% | 0.13% | 0.08% | -22 bps | |
| Allowance / Loans | 1.69% | 1.68% | 1.73% | 1.68% | 1.16% | -54 bps | |
| Allowance Coverage of NPLs | 1.3x | 0.8x | 0.9x | 0.9x | 0.6x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.57% | 11.48% | 11.94% | 12.39% | 12.28% | +71 bps | |
| Total Risk-Based Capital | 29.02% | 28.24% | 29.97% | 30.90% | 24.00% | -502 bps | |
| Equity / Assets | 11.83% | 12.10% | 11.45% | 12.05% | 12.48% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.70% | 36.91% | 33.34% | 35.54% | 36.99% | +329 bps | |
| Liquid Assets / Assets | 3.54% | 0.08% | 3.97% | 1.01% | 1.52% | -202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |