Arthur, IL · Cert 1800
FDIC · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 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.
Arthur, IL · Cert 1800
FDIC · 2 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.76% | 0.88% | 0.88% | 0.89% | 0.77% | 0.73% | 0.76% | -11 bps | |
| Return on Equity | 7.42% | 5.55% | 6.30% | 6.28% | 6.37% | 5.62% | 5.30% | 5.55% | -73 bps | |
| Net Interest Margin | 3.39% | 3.36% | 3.49% | 3.46% | 3.36% | 3.30% | 3.35% | 3.28% | -18 bps | |
| Efficiency Ratio | 58.39% | 60.43% | 59.41% | 58.76% | 58.93% | 60.10% | 58.33% | 59.57% | +81 bps | |
| Non-Interest Burden | 1.76% | 1.84% | 1.86% | 1.82% | 1.77% | 1.79% | 1.73% | 1.74% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.31% | 2.82% | 1.96% | 0.12% | -0.37% | 2.25% | 5.02% | 3.31% | +320 bps | |
| Loan Growth (YoY) | 2.97% | 1.55% | -1.30% | -2.85% | -3.58% | -2.05% | -1.28% | 2.23% | +508 bps | |
| Deposit Growth (YoY) | 9.02% | 2.67% | 1.31% | -0.48% | -0.59% | 2.61% | 5.82% | 3.79% | +426 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.54% | 0.86% | 0.54% | +54 bps | |
| Net Charge-Offs / Loans | 0.53% | 0.70% | 0.56% | 0.63% | 0.60% | 0.91% | 1.51% | 1.57% | +94 bps | |
| Allowance / Loans | 1.61% | 1.65% | 1.70% | 1.75% | 1.74% | 1.71% | 1.54% | 1.44% | -32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.1x | 1.8x | 2.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.16% | 13.71% | 14.06% | 14.10% | 13.70% | 13.87% | 14.06% | 13.77% | -33 bps | |
| Total Risk-Based Capital | 24.29% | 25.39% | 25.56% | 25.84% | 25.67% | 25.77% | 25.99% | 26.23% | +39 bps | |
| Equity / Assets | 13.33% | 14.13% | 14.48% | 14.06% | 13.52% | 13.86% | 13.93% | 13.77% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.71% | 58.40% | 59.01% | 55.60% | 55.00% | 55.75% | 55.05% | 54.76% | -83 bps | |
| Liquid Assets / Assets | 18.09% | 16.30% | 18.32% | 22.67% | 24.30% | 23.26% | 25.03% | 28.87% | +620 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |