Decatur, IL · Cert 17598
FDIC · 10 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Decatur, IL · Cert 17598
FDIC · 10 branches
Q1 2019
Market Position · Decatur, IL · 2018 SOD (annual) · 16.0% share · #3 of 14 inst. · $0.3B 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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.99% | 0.92% | 1.60% | 1.39% | 1.21% | 0.34% | 1.78% | +18 bps | |
| Return on Equity | 6.95% | 6.07% | 5.63% | 9.95% | 8.90% | 7.76% | 2.18% | 10.89% | +94 bps | |
| Net Interest Margin | 2.34% | 2.39% | 2.46% | 2.44% | 2.42% | 2.42% | 0.54% | 4.41% | +196 bps | |
| Efficiency Ratio | 76.53% | 78.89% | 78.79% | 72.62% | 74.51% | 76.31% | 43.41% | 41.65% | -3,097 bps | |
| Non-Interest Burden | 0.65% | 0.90% | 0.95% | 0.25% | 0.51% | 0.77% | 0.04% | 1.83% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.21% | 1.27% | 3.62% | 1.36% | 9.11% | 10.72% | 3.38% | -4.07% | -543 bps | |
| Loan Growth (YoY) | 16.47% | 11.77% | 8.89% | 6.61% | 2.78% | 0.09% | -2.52% | -9.55% | -1,616 bps | |
| Deposit Growth (YoY) | -0.36% | -1.98% | 3.30% | 3.19% | 13.73% | 15.75% | 3.45% | -9.27% | -1,247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.31% | 0.30% | 0.31% | 0.29% | 0.29% | 0.14% | 0.15% | -16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | -0.01% | 0.03% | 0.02% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.84% | 1.79% | 1.75% | 1.76% | 1.75% | 1.77% | 0.00% | 0.00% | -176 bps | |
| Allowance Coverage of NPLs | 5.7x | 5.8x | 5.9x | 5.6x | 6.0x | 6.0x | 0.0x | 0.0x | -5.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.92% | 15.18% | 15.32% | 15.25% | 15.04% | 15.02% | 11.12% | 11.58% | -367 bps | |
| Total Risk-Based Capital | 22.53% | 22.40% | 21.73% | 22.26% | 22.52% | 22.91% | 14.13% | 16.02% | -624 bps | |
| Equity / Assets | 15.90% | 16.93% | 16.23% | 15.90% | 14.73% | 15.47% | 15.70% | 16.98% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.66% | 85.90% | 85.02% | 80.61% | 70.18% | 74.28% | 80.12% | 80.36% | -25 bps | |
| Liquid Assets / Assets | 9.03% | 4.54% | 5.53% | 9.82% | 16.44% | 12.58% | 4.88% | 7.45% | -237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |