Springfield, IL · Cert 19980
FDIC · 11 branches
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.
Springfield, IL · Cert 19980
FDIC · 11 branches
Q1 2017
Market Position · Springfield, IL · 2016 SOD (annual) · 3.1% share · #10 of 28 inst. · $0.2B of $5.7B
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 | 0.61% | 0.59% | 0.50% | -1.45% | -0.17% | 0.05%1 | 0.32% | 1.58% | +303 bps | |
| Return on Equity | 6.79% | 6.51% | 5.57% | -16.29% | -1.93% | 0.56% | 3.36% | 13.60% | +2,989 bps | |
| Net Interest Margin | 3.14% | 3.11% | 3.18% | 3.10% | 3.10% | 2.98% | 0.39% | 3.72% | +62 bps | |
| Efficiency Ratio | 75.76% | 76.31% | 77.39% | 83.54% | 78.87% | 77.40% | 49.82% | 57.27% | -2,628 bps | |
| Non-Interest Burden | 2.01% | 2.02% | 2.11% | 2.40% | 2.16% | 1.98% | -0.04% | 1.68% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.38% | -2.92% | -2.39% | -2.39% | -1.39% | 1.99% | -0.63% | -1.90% | +48 bps | |
| Loan Growth (YoY) | -0.52% | -5.58% | -7.01% | -6.87% | -5.95% | -9.76% | -13.83% | -22.49% | -1,562 bps | |
| Deposit Growth (YoY) | -0.26% | 0.73% | 1.43% | -0.02% | 0.52% | 2.81% | -3.44% | -5.22% | -520 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.11% | +211 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.00% | 0.13% | 5.54% | 2.82% | 2.53% | 0.06% | 0.01% | -553 bps | |
| Allowance / Loans | 1.54% | 1.63% | 1.55% | 1.56% | 1.59% | 1.52% | 0.09% | 0.22% | -134 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.1x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.03% | 9.01% | 9.15% | 8.71% | 8.93% | 8.84% | 8.88% | 8.07% | -64 bps | |
| Total Risk-Based Capital | 12.87% | 13.00% | 12.98% | 12.26% | 12.98% | 13.45% | 12.39% | 12.38% | +12 bps | |
| Equity / Assets | 9.01% | 9.35% | 9.08% | 8.75% | 9.01% | 9.00% | 11.59% | 11.65% | +289 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.61% | 70.44% | 66.91% | 66.52% | 65.13% | 61.82% | 59.71% | 54.40% | -1,212 bps | |
| Liquid Assets / Assets | 4.56% | 4.06% | 5.89% | 6.61% | 10.08% | 8.00% | 8.40% | 12.87% | +626 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |