Modesto, IL · Cert 17355
FDIC · 2 branches
Q2 2017
Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 0.0% share · #96 of 128 inst. · $0.0B of $103.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.55% | 0.52% | 0.60% | 0.66% | 0.04% | -0.34% | 0.54% | -5 bps | |
| Return on Equity | 5.97% | 5.60% | 5.24% | 5.83% | 6.40% | 0.41% | -3.39% | 5.06% | -77 bps | |
| Net Interest Margin | 2.98% | 2.88% | 2.93% | 3.03% | 3.16% | 3.00% | 2.95% | -2.07% | -510 bps | |
| Efficiency Ratio | 64.21% | 79.20% | 69.21% | 69.62% | 68.50% | 127.79% | 110.57% | 65.87% | -375 bps | |
| Non-Interest Burden | 2.01% | 2.40% | 2.11% | 2.07% | 2.08% | 3.88% | 3.28% | -2.76% | -483 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.20% | 1.80% | 2.87% | 0.00% | 0.78% | 3.48% | 1.60% | 4.82% | +482 bps | |
| Loan Growth (YoY) | 10.11% | 8.97% | 15.47% | 5.97% | 9.83% | 4.26% | -1.45% | -1.24% | -721 bps | |
| Deposit Growth (YoY) | 6.83% | 1.85% | 2.65% | -0.58% | 0.32% | 3.45% | 1.20% | 3.48% | +406 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.74% | 0.70% | 0.68% | 0.68% | 0.67% | 0.66% | 0.67% | 0.00% | -68 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 9.80% | 9.98% | 10.31% | 10.57% | 9.98% | 9.81% | 10.82% | +51 bps | |
| Total Risk-Based Capital | 15.98% | 15.24% | 15.18% | 15.74% | 15.60% | 15.55% | 15.83% | 15.25% | -49 bps | |
| Equity / Assets | 9.81% | 9.94% | 10.06% | 10.38% | 10.12% | 9.88% | 10.02% | 11.49% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.50% | 67.51% | 70.20% | 70.07% | 68.43% | 68.04% | 68.36% | 66.88% | -320 bps | |
| Liquid Assets / Assets | 37.13% | 32.67% | 30.56% | 30.15% | 27.76% | 31.19% | 32.89% | 30.19% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |