Tamms, IL · Cert 17524
FDIC · 6 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Tamms, IL · Cert 17524
FDIC · 6 branches
Q1 2017
Market Position · Cape Girardeau, MO-IL · 2016 SOD (annual) · 7.7% share · #6 of 17 inst. · $0.2B of $2.0B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.82% | 0.79% | 0.60% | 0.64% | 0.71% | 0.48% | 0.57% | -2 bps | |
| Return on Equity | 8.39% | 8.15% | 7.82% | 5.96% | 6.34% | 6.93% | 4.74% | 5.73% | -24 bps | |
| Net Interest Margin | 3.44% | 3.52% | 3.43% | 3.52% | 3.50% | 3.63% | 3.53% | 3.31% | -20 bps | |
| Efficiency Ratio | 73.64% | 72.11% | 70.86% | 74.93% | 74.37% | 73.43% | 73.15% | 76.92% | +199 bps | |
| Non-Interest Burden | 2.25% | 2.24% | 2.13% | 2.43% | 2.38% | 2.40% | 2.31% | 2.32% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.95% | -4.58% | -1.78% | 4.72% | 3.90% | 0.98% | 1.54% | 0.62% | -410 bps | |
| Loan Growth (YoY) | 2.32% | 0.68% | 2.91% | 7.83% | 3.25% | 3.54% | 1.68% | 0.62% | -722 bps | |
| Deposit Growth (YoY) | -1.80% | -5.63% | -2.43% | 5.09% | -0.36% | -3.19% | 1.56% | 0.57% | -452 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.81% | +181 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.01% | 0.17% | 0.01% | 0.00% | -0.03% | -0.02% | 0.28% | +27 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.16% | 1.21% | 1.28% | 1.27% | 1.78% | 1.76% | +55 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.24% | 10.00% | 10.06% | 10.11% | 10.62% | 10.19% | 10.12% | +7 bps | |
| Total Risk-Based Capital | 11.81% | 11.70% | 11.45% | 11.56% | 11.88% | 11.74% | 11.67% | 11.66% | +10 bps | |
| Equity / Assets | 10.48% | 10.26% | 10.15% | 9.91% | 10.45% | 10.54% | 10.09% | 9.93% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.60% | 89.77% | 90.07% | 87.12% | 93.88% | 96.01% | 90.17% | 87.16% | +4 bps | |
| Liquid Assets / Assets | 2.99% | 3.08% | 3.08% | 4.27% | 2.21% | 1.56% | 3.54% | 6.73% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |