Sidell, IL · Cert 15807
FDIC · 2 branches
Q2 2015
Market Position · Danville, IL · 2015 SOD (annual) · 1.2% share · #14 of 16 inst. · $0.0B of $1.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.20% | 0.27% | 0.27% | 0.10% | +7 bps | |
| Return on Equity | 0.34% | 2.05% | 2.55% | 2.73% | 1.03% | +69 bps | |
| Net Interest Margin | 1.90% | 2.25% | 2.36% | 2.09% | 2.01% | +11 bps | |
| Efficiency Ratio | 98.65% | 92.45% | 90.38% | 89.54% | 97.18% | -147 bps | |
| Non-Interest Burden | 1.87% | 2.05% | 2.09% | 1.84% | 1.94% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.44% | -5.95% | 10.09% | -9.96% | -6.38% | -883 bps | |
| Loan Growth (YoY) | 0.17% | 4.89% | 19.93% | 11.22% | -0.97% | -114 bps | |
| Deposit Growth (YoY) | 2.98% | -6.74% | 7.80% | -10.86% | -6.94% | -992 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.05% | -0.08% | -0.05% | 0.00% | 0 bps | |
| Allowance / Loans | 2.05% | 1.85% | 1.54% | 2.03% | 2.12% | +7 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 | 9.36% | 9.88% | n/a | |
| Total Risk-Based Capital | 22.19% | 22.09% | 19.59% | 22.70% | 24.18% | +199 bps | |
| Equity / Assets | 9.07% | 10.59% | 10.43% | 9.65% | 9.58% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.80% | 43.60% | 53.26% | 36.70% | 34.90% | +210 bps | |
| Liquid Assets / Assets | 33.60% | 29.17% | 22.93% | 27.73% | 22.57% | -1,103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |