Trivoli, IL · Cert 12554
FDIC · 6 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Trivoli, IL · Cert 12554
FDIC · 6 branches
Q2 2016
Market Position · Peoria, IL · 2016 SOD (annual) · 2.9% share · #9 of 40 inst. · $0.2B of $7.2B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.76% | 0.50% | 0.30% | 0.20% | 0.11%1 | 1.21% | -0.33% | -63 bps | |
| Return on Equity | 6.88% | 7.23% | 4.58% | 2.79% | 1.79% | 0.99% | 10.88% | -2.97% | -576 bps | |
| Net Interest Margin | 3.35% | 3.29% | 3.31% | 3.28% | 3.32% | 3.29% | 3.01% | 0.55% | -273 bps | |
| Efficiency Ratio | 77.38% | 77.92% | 78.45% | 79.41% | 79.48% | 81.06% | 80.79% | 144.73% | +6,532 bps | |
| Non-Interest Burden | 2.44% | 2.42% | 2.46% | 2.45% | 2.49% | 2.52% | 2.32% | 0.86% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.47% | -5.34% | -3.57% | -1.87% | -4.66% | -4.96% | -6.06% | -3.10% | -123 bps | |
| Loan Growth (YoY) | -3.15% | -2.53% | -1.41% | -2.86% | -8.10% | -15.07% | -14.51% | -11.12% | -826 bps | |
| Deposit Growth (YoY) | -9.17% | -6.78% | -4.26% | -0.48% | -0.89% | -0.87% | -3.82% | -0.94% | -46 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.17% | -0.23% | 0.90% | 0.25% | 1.39% | 0.59% | 0.00% | -89 bps | |
| Allowance / Loans | 1.60% | 1.72% | 1.88% | 1.70% | 2.38% | 1.89% | 1.53% | 0.01% | -169 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.94% | 10.00% | 10.20% | 10.18% | 10.12% | 10.01% | +1 bps | |
| Total Risk-Based Capital | 15.43% | 15.18% | 14.45% | 14.69% | 15.28% | 16.39% | 15.90% | 14.67% | -2 bps | |
| Equity / Assets | 10.92% | 10.76% | 10.96% | 11.04% | 11.35% | 11.24% | 11.09% | 10.78% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.88% | 94.08% | 91.72% | 90.35% | 87.98% | 80.60% | 81.52% | 81.07% | -929 bps | |
| Liquid Assets / Assets | 3.56% | 4.27% | 3.80% | 3.93% | 4.98% | 8.11% | 5.08% | 16.24% | +1,232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |