Petersburg, IL · Cert 16718
FDIC · 2 branches
Q3 2018
Market Position · Springfield, IL · 2018 SOD (annual) · 2.2% share · #12 of 27 inst. · $0.1B of $6.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.70% | 0.85% | 1.07% | 1.29% | 0.84% | 1.25% | 0.69% | -38 bps | |
| Return on Equity | 8.63% | 7.16% | 8.55% | 10.37% | 12.86% | 8.97% | 13.43% | 7.15% | -322 bps | |
| Net Interest Margin | 2.52% | 2.53% | 2.75% | 2.81% | 2.84% | 2.80% | 2.84% | 2.87% | +5 bps | |
| Efficiency Ratio | 70.78% | 75.54% | 69.66% | 66.78% | 63.04% | 72.59% | 60.67% | 65.52% | -125 bps | |
| Non-Interest Burden | 1.54% | 1.80% | 1.76% | 1.70% | 1.48% | 1.91% | 1.54% | 1.73% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | 2.16% | 1.85% | 3.37% | 1.04% | 1.86% | 3.04% | -0.97% | -434 bps | |
| Loan Growth (YoY) | 1.44% | 2.04% | 3.48% | 5.56% | 4.22% | 1.63% | -1.51% | -5.18% | -1,075 bps | |
| Deposit Growth (YoY) | 0.26% | 3.02% | 2.47% | 4.18% | 1.23% | 2.44% | 4.15% | -0.20% | -438 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.21% | 0.15% | 0.28% | 0.44% | 0.14% | 0.44% | 0.51% | +23 bps | |
| Net Charge-Offs / Loans | 0.32% | -0.06% | 0.64% | -0.01% | 0.27% | 0.01% | 0.16% | 1.22% | +123 bps | |
| Allowance / Loans | 1.23% | 1.26% | 1.15% | 1.16% | 1.15% | 1.20% | 1.20% | 1.16% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 5.9x | 7.9x | 4.2x | 2.6x | 8.6x | 2.8x | 2.3x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 10.71% | 11.06% | 11.35% | 10.72% | 10.69% | 10.91% | 11.28% | -7 bps | |
| Total Risk-Based Capital | 19.74% | 19.90% | 19.92% | 20.13% | 18.27% | 18.86% | 19.98% | 20.55% | +42 bps | |
| Equity / Assets | 9.81% | 9.76% | 10.13% | 10.46% | 9.59% | 9.20% | 9.40% | 9.94% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.04% | 56.46% | 58.01% | 59.41% | 59.76% | 56.01% | 54.86% | 56.44% | -297 bps | |
| Liquid Assets / Assets | 6.05% | 7.79% | 6.71% | 5.92% | 4.34% | 9.22% | 9.90% | 7.90% | +197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |