Fairview Heights, IL · Cert 27393
FDIC · 1 branch
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Fairview Heights, IL · Cert 27393
FDIC · 1 branch
Q2 2015
Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.2% share · #60 of 135 inst. · $0.2B of $89.9B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.41% | 1.45% | 1.43% | 1.44% | 1.44% | 1.39% | 1.10% | -33 bps | |
| Return on Equity | 10.03% | 10.23% | 10.41% | 10.26% | 10.31% | 10.26% | 9.78% | 9.08% | -118 bps | |
| Net Interest Margin | 3.50% | 3.55% | 3.47% | 3.49% | 3.46% | 3.45% | 3.30% | 3.21% | -28 bps | |
| Efficiency Ratio | 58.69% | 58.62% | 58.33% | 58.97% | 58.65% | 58.84% | 55.72% | 60.53% | +156 bps | |
| Non-Interest Burden | 1.94% | 1.97% | 1.90% | 1.96% | 1.94% | 1.94% | 1.74% | 1.88% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.50% | 1.92% | 2.15% | 1.00% | 0.94% | 2.38% | 1.51% | -2.53% | -353 bps | |
| Loan Growth (YoY) | 1.34% | 5.84% | 5.05% | 1.12% | 0.57% | -1.53% | 0.05% | 0.51% | -61 bps | |
| Deposit Growth (YoY) | 2.82% | 2.09% | 1.86% | 0.50% | -1.81% | -0.08% | -1.09% | 4.98% | +447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.17% | 0.11% | 0.01% | 0.00% | 0.24% | 0.08% | 0.79% | +79 bps | |
| Allowance / Loans | 1.80% | 1.71% | 1.75% | 1.78% | 1.79% | 1.57% | 1.60% | 1.31% | -47 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 14.36% | 7.50% | n/a | |
| Total Risk-Based Capital | 18.50% | 18.37% | 18.79% | 18.83% | 18.88% | 18.99% | 19.33% | 11.60% | -723 bps | |
| Equity / Assets | 13.75% | 13.92% | 13.99% | 13.96% | 14.15% | 14.11% | 14.23% | 7.91% | -605 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.94% | 98.33% | 95.06% | 95.10% | 98.27% | 96.91% | 96.16% | 91.05% | -405 bps | |
| Liquid Assets / Assets | 5.03% | 2.55% | 5.36% | 4.82% | 4.74% | 6.38% | 7.48% | 2.50% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |