Arthur, IL · Cert 1800
FDIC · 2 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.76% | 1.00% | 0.89% | 0.90% | 0.77% | 0.69% | 0.84% | -5 bps | |
| Return on Equity | 4.51% | 5.55% | 7.02% | 6.24% | 6.55% | 5.62% | 4.98% | 6.04% | -20 bps | |
| Net Interest Margin | 3.34% | 3.36% | 3.57% | 3.47% | 3.31% | 3.30% | 3.39% | 3.35% | -11 bps | |
| Efficiency Ratio | 63.83% | 60.43% | 58.46% | 57.46% | 59.46% | 60.10% | 56.64% | 61.94% | +448 bps | |
| Non-Interest Burden | 1.96% | 1.84% | 1.85% | 1.77% | 1.76% | 1.79% | 1.67% | 1.86% | +9 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 | 1.11% | 0.70% | 0.42% | 0.73% | 0.51% | 0.91% | 2.11% | 1.75% | +102 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 |