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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.55% | 0.25% | -1.45% | 1.11% | 0.49% | 1.12% | 1.58% | +303 bps | |
| Return on Equity | 8.17% | 5.96% | 2.76% | -16.29% | 12.51% | 5.50% | 10.92% | 13.60% | +2,989 bps | |
| Net Interest Margin | 3.15% | 3.09% | 3.17% | 3.10% | 3.09% | 2.83% | -8.20% | 3.72% | +62 bps | |
| Efficiency Ratio | 72.27% | 77.41% | 80.65% | 83.54% | 74.57% | 74.46% | 49.82% | 57.27% | -2,628 bps | |
| Non-Interest Burden | 1.81% | 2.05% | 2.25% | 2.40% | 1.90% | 1.70% | -6.41% | 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 | 0.06% | 0.09% | 0.50% | 5.54% | -0.01% | 1.68% | -7.92% | 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 |