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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.05% | -0.07% | -0.02% | 0.06% | 0.11% | 0.27% | 0.19% | +20 bps | |
| Return on Equity | 0.28% | 0.46% | -0.68% | -0.17% | 0.57% | 1.06% | 2.73% | 1.88% | +205 bps | |
| Net Interest Margin | 2.07% | 2.15% | 1.74% | 1.85% | 2.09% | 2.27% | 2.09% | 2.11% | +26 bps | |
| Efficiency Ratio | 99.54% | 98.64% | 102.86% | 100.69% | 97.76% | 95.85% | 89.54% | 93.22% | -747 bps | |
| Non-Interest Burden | 2.06% | 2.12% | 1.80% | 1.86% | 2.04% | 2.16% | 1.84% | 1.94% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.11% | -7.39% | -2.74% | 2.44% | -5.95% | 10.09% | -9.96% | -6.38% | -883 bps | |
| Loan Growth (YoY) | -7.45% | -5.10% | -2.75% | 0.17% | 4.89% | 19.93% | 11.22% | -0.97% | -114 bps | |
| Deposit Growth (YoY) | -10.39% | -7.66% | -2.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.05% | -0.06% | -0.03% | -0.03% | -0.04% | -0.05% | -0.03% | 0 bps | |
| Allowance / Loans | 1.97% | 1.80% | 2.20% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 9.36% | 9.88% | n/a | |
| Total Risk-Based Capital | 22.48% | 22.72% | 22.72% | 22.19% | 22.09% | 19.59% | 22.70% | 24.18% | +199 bps | |
| Equity / Assets | 9.83% | 11.45% | 8.79% | 9.07% | 10.59% | 10.43% | 9.65% | 9.58% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.77% | 47.87% | 29.41% | 32.80% | 43.60% | 53.26% | 36.70% | 34.90% | +210 bps | |
| Liquid Assets / Assets | 26.97% | 24.44% | 30.24% | 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 | n/a | n/a | n/a |