Port Byron, IL · Cert 14085
FDIC · 3 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
Port Byron, IL · Cert 14085
FDIC · 3 branches
Q1 2016
Market Position · Davenport-Moline-Rock Island, IA-IL · 2015 SOD (annual) · 0.9% share · #25 of 38 inst. · $0.1B of $7.5B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.13% | 0.01%1 | -0.26% | -0.13% | -0.11% | -0.08% | -0.37% | -12 bps | |
| Return on Equity | -0.60% | -1.41% | 0.13% | -2.53% | -1.24% | -1.11% | -0.79% | -3.55% | -102 bps | |
| Net Interest Margin | 2.71% | 2.79% | 2.89% | 2.82% | 2.94% | 2.93% | 2.92% | 2.79% | -3 bps | |
| Efficiency Ratio | 120.53% | 118.48% | 115.26% | 113.24% | 108.15% | 107.38% | 106.22% | 116.61% | +337 bps | |
| Non-Interest Burden | 3.40% | 3.42% | 3.42% | 3.22% | 3.18% | 3.14% | 3.09% | 3.29% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.04% | -8.31% | -4.03% | -5.58% | -5.57% | -4.63% | -3.56% | -4.54% | +105 bps | |
| Loan Growth (YoY) | -11.09% | -1.57% | 15.97% | 12.80% | 12.06% | 4.64% | -3.80% | -8.89% | -2,169 bps | |
| Deposit Growth (YoY) | -8.28% | -9.30% | -5.03% | -6.55% | -5.70% | -5.51% | -3.99% | -5.12% | +142 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 | -1.57% | -1.03% | -0.72% | -0.04% | 0.12% | 0.93% | 0.71% | 0.00% | +4 bps | |
| Allowance / Loans | 3.03% | 2.99% | 2.37% | 2.35% | 2.24% | 1.72% | 1.75% | 1.83% | -52 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 | n/a | 8.93% | 9.08% | 9.20% | 9.32% | 9.22% | +29 bps | |
| Total Risk-Based Capital | 17.08% | 16.62% | 16.39% | 15.61% | 15.40% | 15.97% | 16.15% | 16.36% | +75 bps | |
| Equity / Assets | 9.49% | 9.81% | 10.12% | 10.07% | 10.14% | 10.55% | 10.47% | 10.49% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.49% | 61.24% | 66.17% | 66.45% | 68.32% | 67.82% | 66.30% | 63.81% | -264 bps | |
| Liquid Assets / Assets | 10.09% | 4.51% | 8.77% | 8.36% | 8.92% | 9.19% | 11.55% | 11.35% | +300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |