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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.17% | -2.40% | 1.21% | 0.46% | -80 bps | |
| Return on Equity | 16.73% | 15.32% | -29.77% | 14.23% | 5.28% | -1,144 bps | |
| Net Interest Margin | 3.32% | 3.42% | 3.69% | 3.76% | 1.24% | -208 bps | |
| Efficiency Ratio | 76.39% | 78.98% | 80.45% | 64.98% | 60.13% | -1,626 bps | |
| Non-Interest Burden | 1.95% | 2.15% | 2.57% | 0.72% | 0.57% | -138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.54% | 4.68% | 6.88% | 3.22% | 7.64% | +210 bps | |
| Loan Growth (YoY) | 11.63% | 12.36% | 6.17% | 5.20% | -3.74% | -1,537 bps | |
| Deposit Growth (YoY) | 2.72% | 1.14% | 3.75% | -0.54% | 4.65% | +192 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.98% | 1.00% | 0.44% | 0.50% | 0.36% | -162 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.39% | 0.18% | -0.01% | -5 bps | |
| Allowance / Loans | 1.44% | 1.40% | 1.38% | 1.44% | 0.01% | -144 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.4x | 3.1x | 2.9x | 0.0x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.54% | 7.75% | 7.09% | 8.23% | 6.44% | -110 bps | |
| Total Risk-Based Capital | 12.99% | 12.93% | 13.41% | 15.08% | 11.41% | -158 bps | |
| Equity / Assets | 7.66% | 8.09% | 8.04% | 9.40% | 9.30% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.85% | 66.85% | 65.54% | 69.21% | 61.50% | -536 bps | |
| Liquid Assets / Assets | 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 |