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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.75% | 1.03% | 0.98% | 0.53% | 1.01% | 1.43% | 1.82% | +85 bps | |
| Return on Equity | 6.30% | 6.57% | 8.89% | 8.26% | 4.40% | 8.59% | 12.22% | 14.86% | +661 bps | |
| Net Interest Margin | 2.63% | 2.60% | 2.66% | 2.70% | 2.62% | 2.68% | 2.87% | 2.89% | +19 bps | |
| Efficiency Ratio | 70.17% | 74.32% | 68.20% | 66.28% | 70.82% | 67.88% | 56.73% | 59.19% | -709 bps | |
| Non-Interest Burden | 1.70% | 1.82% | 1.65% | 1.62% | 1.74% | 1.63% | 1.07% | 1.49% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 3.46% | -1.25% | 2.60% | -2.41% | -2.29% | -5.73% | -8.55% | -1,114 bps | |
| Loan Growth (YoY) | -0.63% | -3.53% | 5.89% | 6.94% | 6.11% | 1.14% | -2.29% | -0.25% | -718 bps | |
| Deposit Growth (YoY) | 1.58% | 7.64% | -0.60% | 3.39% | 1.07% | -2.39% | -6.16% | -9.12% | -1,251 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.07% | 1.94% | 1.30% | 2.12% | 1.90% | 1.79% | 1.85% | +55 bps | |
| Net Charge-Offs / Loans | 0.95% | -0.01% | 0.10% | 0.82% | 0.35% | 0.27% | -0.01% | 0.00% | -82 bps | |
| Allowance / Loans | 2.00% | 2.04% | 1.88% | 1.69% | 1.68% | 1.73% | 1.68% | 1.16% | -54 bps | |
| Allowance Coverage of NPLs | n/a | 1.0x | 1.0x | 1.3x | 0.8x | 0.9x | 0.9x | 0.6x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.39% | 11.58% | 11.39% | 11.57% | 11.48% | 11.94% | 12.39% | 12.28% | +71 bps | |
| Total Risk-Based Capital | 28.42% | 29.13% | 27.95% | 29.02% | 28.24% | 29.97% | 30.90% | 24.00% | -502 bps | |
| Equity / Assets | 11.24% | 11.48% | 11.80% | 11.83% | 12.10% | 11.45% | 12.05% | 12.48% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.16% | 32.18% | 34.13% | 33.70% | 36.91% | 33.34% | 35.54% | 36.99% | +329 bps | |
| Liquid Assets / Assets | 0.05% | 2.50% | 1.23% | 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 | n/a | n/a | n/a |