Flora, IL · Cert 27685
FDIC · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.31% | 0.11% | 0.11% | 1.31% | 0.21% | 0.53% | 0.82% | +72 bps | |
| Return on Equity | 4.75% | 2.70% | 0.94% | 0.93% | 11.38% | 1.81% | 4.49% | 6.64% | +571 bps | |
| Net Interest Margin | 3.19% | 3.09% | 3.18% | 3.31% | 3.65% | 3.23% | 3.26% | 3.46% | +15 bps | |
| Efficiency Ratio | 79.38% | 86.03% | 95.38% | 94.38% | 65.15% | 77.97% | 80.00% | 75.09% | -1,928 bps | |
| Non-Interest Burden | 2.47% | 2.66% | 3.04% | 3.12% | 2.24% | 2.54% | 2.59% | 2.54% | -58 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 | 0.18% | 0.09% | 0.21% | 0.04% | 0.04% | 0.00% | 0.04% | 0.08% | +4 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 |