Rochelle, IL · Cert 14583
FDIC · 3 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.78% | 2.00% | 1.35% | 1.70% | 1.39% | 0.37% | 0.21% | -114 bps | |
| Return on Equity | 7.73% | 8.39% | 20.40% | 13.57% | 16.98% | 13.99% | 3.80% | 2.21% | -1,136 bps | |
| Net Interest Margin | 2.36% | 2.44% | 2.43% | 2.36% | 2.26% | 2.14% | 1.85% | 1.79% | -58 bps | |
| Efficiency Ratio | 81.97% | 79.04% | 58.59% | 67.84% | 71.62% | 75.75% | 84.62% | 96.67% | +2,883 bps | |
| Non-Interest Burden | 1.82% | 1.76% | 0.50% | 1.12% | 1.27% | 1.37% | 1.47% | 1.74% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.13% | 0.20% | -0.34% | 3.49% | 2.88% | 6.71% | 5.78% | 2.87% | -62 bps | |
| Loan Growth (YoY) | 7.16% | 3.76% | 9.49% | 5.30% | 4.76% | 5.92% | 1.09% | 2.45% | -285 bps | |
| Deposit Growth (YoY) | 5.31% | -1.44% | -1.91% | 1.68% | 2.35% | 7.56% | 6.07% | 4.48% | +280 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.90% | 0.88% | +88 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.05% | 0.01% | -0.03% | 0.01% | 0.00% | -0.01% | -0.02% | +1 bps | |
| Allowance / Loans | 1.06% | 1.08% | 1.11% | 1.13% | 1.08% | 1.05% | 1.11% | 0.82% | -32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.2x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.83% | 8.21% | 8.76% | 8.55% | 8.82% | 8.63% | 8.71% | 8.64% | +9 bps | |
| Total Risk-Based Capital | 17.89% | 17.91% | 18.82% | 19.41% | 19.94% | 21.55% | 23.85% | 23.26% | +385 bps | |
| Equity / Assets | 8.91% | 9.51% | 10.09% | 10.28% | 10.14% | 9.62% | 9.82% | 9.38% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.86% | 34.36% | 34.48% | 32.17% | 32.61% | 33.84% | 32.86% | 31.55% | -62 bps | |
| Liquid Assets / Assets | 4.69% | 1.47% | 2.28% | 9.09% | 20.22% | 24.66% | 29.15% | 30.37% | +2,128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |