Manteno, IL · Cert 16375
FDIC · 5 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Manteno, IL · Cert 16375
FDIC · 5 branches
Q3 2019
Market Position · Kankakee, IL · 2019 SOD (annual) · 16.8% share · #1 of 16 inst. · $0.3B of $1.9B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.83% | 1.31% | 1.26% | 1.17% | -2.40% | 1.21% | 0.46% | -80 bps | |
| Return on Equity | 6.11% | 11.17% | 17.51% | 16.73% | 15.32% | -29.77% | 14.23% | 5.28% | -1,144 bps | |
| Net Interest Margin | 3.15% | 3.27% | 3.38% | 3.32% | 3.42% | 3.69% | 3.76% | 1.24% | -208 bps | |
| Efficiency Ratio | 83.20% | 82.29% | 75.65% | 76.39% | 78.98% | 80.45% | 64.98% | 60.13% | -1,626 bps | |
| Non-Interest Burden | 2.31% | 2.30% | 1.91% | 1.95% | 2.15% | 2.57% | 0.72% | 0.57% | -138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 0.30% | 7.48% | 5.54% | 4.68% | 6.88% | 3.22% | 7.64% | +210 bps | |
| Loan Growth (YoY) | 3.17% | 6.88% | 7.59% | 11.63% | 12.36% | 6.17% | 5.20% | -3.74% | -1,537 bps | |
| Deposit Growth (YoY) | 3.38% | -0.60% | 4.58% | 2.72% | 1.14% | 3.75% | -0.54% | 4.65% | +192 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.39% | 2.27% | 2.18% | 1.98% | 1.00% | 0.44% | 0.50% | 0.36% | -162 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | -0.03% | 0.04% | 0.05% | 0.39% | 0.18% | -0.01% | -5 bps | |
| Allowance / Loans | 1.46% | 1.42% | 1.49% | 1.44% | 1.40% | 1.38% | 1.44% | 0.01% | -144 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.7x | 1.4x | 3.1x | 2.9x | 0.0x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.12% | 7.30% | 7.62% | 7.54% | 7.75% | 7.09% | 8.23% | 6.44% | -110 bps | |
| Total Risk-Based Capital | 12.60% | 12.56% | 12.93% | 12.99% | 12.93% | 13.41% | 15.08% | 11.41% | -158 bps | |
| Equity / Assets | 7.47% | 7.37% | 7.63% | 7.66% | 8.09% | 8.04% | 9.40% | 9.30% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.17% | 64.04% | 65.43% | 66.85% | 66.85% | 65.54% | 69.21% | 61.50% | -536 bps | |
| Liquid Assets / Assets | 7.40% | 4.45% | 6.10% | 4.95% | 5.77% | 17.92% | 18.19% | 19.62% | +1,467 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |