Flora, IL · Cert 27685
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Flora, IL · Cert 27685
FDIC · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.31% | 0.21% | 0.17% | 0.46% | 0.21% | 0.37% | 0.52% | +35 bps | |
| Return on Equity | 3.75% | 2.70% | 1.82% | 1.52% | 4.01% | 1.81% | 3.15% | 4.33% | +280 bps | |
| Net Interest Margin | 3.27% | 3.09% | 3.11% | 3.18% | 3.28% | 3.23% | 3.26% | 3.40% | +22 bps | |
| Efficiency Ratio | 84.10% | 86.03% | 90.79% | 92.04% | 83.97% | 77.97% | 79.01% | 77.63% | -1,441 bps | |
| Non-Interest Burden | 2.75% | 2.66% | 2.82% | 2.93% | 2.74% | 2.54% | 2.58% | 2.62% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | -0.70% | 2.46% | 2.86% | 0.58% | 1.45% | -2.76% | -5.51% | -836 bps | |
| Loan Growth (YoY) | -0.70% | -6.68% | -5.72% | -0.93% | 1.84% | 4.35% | 2.69% | 0.37% | +130 bps | |
| Deposit Growth (YoY) | 4.00% | 0.77% | 2.32% | 1.14% | 0.16% | 1.17% | -3.68% | -5.31% | -644 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 4.37% | 2.81% | 2.81% | 1.18% | 3.09% | 2.04% | 2.60% | -21 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.09% | 0.15% | 0.11% | 0.09% | 0.00% | 0.02% | 0.04% | -7 bps | |
| Allowance / Loans | 0.61% | 0.62% | 0.67% | 0.64% | 0.66% | 0.83% | 0.83% | 0.80% | +16 bps | |
| Allowance Coverage of NPLs | n/a | 0.1x | 0.2x | 0.2x | 0.6x | 0.3x | 0.4x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.21% | 11.34% | 11.23% | 11.28% | 11.53% | 11.69% | 11.98% | 12.56% | +128 bps | |
| Total Risk-Based Capital | 20.04% | 20.65% | 20.80% | 20.71% | 20.91% | 21.28% | 21.84% | 22.53% | +182 bps | |
| Equity / Assets | 11.30% | 11.40% | 11.22% | 11.31% | 11.70% | 11.67% | 12.08% | 12.71% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.82% | 70.62% | 69.89% | 73.51% | 75.05% | 72.83% | 74.51% | 77.92% | +441 bps | |
| Liquid Assets / Assets | 28.32% | 31.06% | 32.03% | 30.45% | 28.09% | 30.48% | 29.72% | 27.08% | -337 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |