Rockford, IL · Cert 18545
FDIC · 19 branches
Q2 2018
Market Position · Rockford, IL · 2018 SOD (annual) · 17.7% share · #1 of 25 inst. · $1.1B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.27% | 1.22% | 1.33% | 1.40% | 1.48% | 0.54% | 2.67% | +134 bps | |
| Return on Equity | 11.97% | 14.48% | 14.08% | 15.60% | 16.38% | 17.00% | 4.96% | 19.85% | +425 bps | |
| Net Interest Margin | 2.96% | 3.00% | 3.03% | 3.13% | 3.19% | 3.26% | 1.12% | 4.46% | +133 bps | |
| Efficiency Ratio | 77.36% | 72.94% | 73.66% | 74.05% | 71.62% | 71.73% | 44.63% | 37.01% | -3,704 bps | |
| Non-Interest Burden | 1.86% | 1.64% | 1.72% | 1.84% | 1.76% | 1.79% | 0.37% | 0.75% | -109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | 3.49% | 1.43% | 2.64% | 0.66% | -0.49% | 6.42% | 2.94% | +29 bps | |
| Loan Growth (YoY) | 10.31% | 10.55% | 10.05% | 5.73% | 5.19% | 1.85% | -3.57% | -5.89% | -1,163 bps | |
| Deposit Growth (YoY) | 3.23% | 2.40% | 1.89% | 3.33% | 0.77% | -0.42% | 0.50% | -2.53% | -586 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.36% | 0.43% | 0.53% | 0.46% | 0.03% | 0.03% | -40 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.20% | 0.00% | 0.03% | 0.02% | 1.57% | 0.00% | -0.01% | -4 bps | |
| Allowance / Loans | 1.26% | 1.21% | 1.22% | 1.18% | 1.17% | 0.78% | 0.00% | 0.00% | -118 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.4x | 2.8x | 2.2x | 1.7x | 0.0x | 0.1x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.63% | 8.63% | 8.37% | 8.54% | 8.63% | 7.67% | 8.14% | -23 bps | |
| Total Risk-Based Capital | 12.52% | 12.67% | 12.60% | 12.31% | 12.64% | 12.48% | 11.03% | 11.81% | -51 bps | |
| Equity / Assets | 8.87% | 8.67% | 8.63% | 8.43% | 8.72% | 8.68% | 13.04% | 13.88% | +546 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.20% | 73.49% | 73.53% | 72.92% | 74.32% | 75.17% | 70.55% | 70.40% | -252 bps | |
| Liquid Assets / Assets | 3.00% | 0.89% | 0.82% | 2.07% | 1.02% | 1.08% | 5.30% | 4.28% | +222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |