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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.46% | 1.43% | 1.39% | 0.81% | -60 bps | |
| Return on Equity | 10.09% | 10.41% | 10.12% | 9.78% | 7.25% | -284 bps | |
| Net Interest Margin | 3.51% | 3.49% | 3.45% | 3.30% | 3.21% | -30 bps | |
| Efficiency Ratio | 59.61% | 58.03% | 59.40% | 55.72% | 65.50% | +589 bps | |
| Non-Interest Burden | 2.02% | 1.95% | 1.97% | 1.74% | 2.07% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.00% | 0.94% | 2.38% | 1.51% | -2.53% | -353 bps | |
| Loan Growth (YoY) | 1.12% | 0.57% | -1.53% | 0.05% | 0.51% | -61 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.10% | 0.00% | 0.95% | 0.08% | 1.51% | +161 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 14.36% | 7.50% | n/a | |
| Total Risk-Based Capital | 18.83% | 18.88% | 18.99% | 19.33% | 11.60% | -723 bps | |
| Equity / Assets | 13.96% | 14.15% | 14.11% | 14.23% | 7.91% | -605 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.10% | 98.27% | 96.91% | 96.16% | 91.05% | -405 bps | |
| Liquid Assets / Assets | 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 |