Saint Elmo, IL · Cert 1802
FDIC · 1 branch
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.
Saint Elmo, IL · Cert 1802
FDIC · 1 branch
Q1 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.25% | -1.74% | -1.50% | -6.52% | -3.55% | -2.82% | -4.89% | -1.34% | +518 bps | |
| Return on Equity | -25.82% | -36.83% | -31.85% | -136.21% | -74.14% | -60.68% | -122.72% | -118.25% | +1,796 bps | |
| Net Interest Margin | 1.92% | 2.10% | 2.26% | 2.64% | 2.70% | 2.73% | 2.57% | 2.59% | -5 bps | |
| Efficiency Ratio | 118.18% | 135.96% | 134.19% | 170.16% | 144.49% | 136.04% | 152.34% | 130.21% | -3,995 bps | |
| Non-Interest Burden | 2.29% | 2.91% | 3.09% | 4.62% | 3.97% | 3.79% | 4.00% | 3.41% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.27% | -7.95% | -19.33% | -22.88% | -20.58% | -12.47% | -5.41% | -0.14% | +2,274 bps | |
| Loan Growth (YoY) | -27.89% | -30.21% | -10.16% | -6.31% | 0.93% | 3.80% | -2.81% | -3.31% | +299 bps | |
| Deposit Growth (YoY) | -14.80% | -14.78% | -18.96% | -22.98% | -20.71% | -12.41% | -2.02% | 3.95% | +2,693 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.28% | +1,328 bps | |
| Net Charge-Offs / Loans | 1.75% | 2.09% | 1.46% | 12.95% | 6.27% | 5.03% | 5.66% | 2.21% | -1,075 bps | |
| Allowance / Loans | 5.96% | 5.90% | 5.73% | 4.06% | 3.97% | 3.59% | 4.54% | 4.28% | +22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 4.57% | 4.02% | 4.22% | 4.49% | 4.35% | 3.97% | 1.20% | 0.91% | -358 bps | |
| Total Risk-Based Capital | 8.99% | 8.22% | 7.82% | 7.78% | 7.43% | 6.69% | 3.08% | 2.64% | -514 bps | |
| Equity / Assets | 4.61% | 4.31% | 4.68% | 4.90% | 4.80% | 4.25% | 1.25% | 1.02% | -388 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.81% | 70.46% | 83.46% | 86.07% | 87.58% | 83.50% | 82.79% | 80.06% | -601 bps | |
| Liquid Assets / Assets | 2.17% | 2.01% | 0.08% | 0.10% | 0.15% | 0.15% | 0.17% | 0.17% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |