Hoopeston, IL · Cert 12387
FDIC · 2 branches
Q1 2015
Market Position · Danville, IL · 2014 SOD (annual) · 6.9% share · #5 of 16 inst. · $0.1B of $1.1B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.48% | 0.54% | 0.50% | 0.42% | +5 bps | |
| Return on Equity | 4.48% | 5.78% | 6.38% | 5.90% | 4.91% | +42 bps | |
| Net Interest Margin | 1.99% | 2.04% | 2.11% | 2.08% | 1.93% | -7 bps | |
| Efficiency Ratio | 83.19% | 79.14% | 77.33% | 78.79% | 80.75% | -244 bps | |
| Non-Interest Burden | 1.62% | 1.56% | 1.57% | 1.58% | 1.51% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.93% | -5.00% | -7.38% | -1.38% | -3.14% | +178 bps | |
| Loan Growth (YoY) | -4.90% | 0.89% | -1.29% | -2.48% | -7.16% | -226 bps | |
| Deposit Growth (YoY) | -5.31% | -5.24% | -8.03% | -1.47% | -3.56% | +175 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 0.98% | 0.96% | 1.01% | 1.10% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 7.90% | n/a | n/a |
| Total Risk-Based Capital | 20.99% | 20.55% | 20.63% | 21.83% | 26.77% | +578 bps | |
| Equity / Assets | 8.20% | 8.37% | 8.62% | 8.58% | 8.61% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 35.39% | 37.88% | 39.47% | 37.07% | 34.07% | -132 bps | |
| Liquid Assets / Assets | 66.13% | 64.25% | 62.45% | 64.70% | 67.78% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |