Collinsville, IL · Cert 27909
FDIC · 2 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Collinsville, IL · Cert 27909
FDIC · 2 branches
Q1 2020
Market Position · St. Louis, MO-IL · 2019 SOD (annual) · 0.1% share · #71 of 123 inst. · $0.1B of $89.5B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.29% | -0.94% | -0.82% | -0.38% | -0.32% | 0.03% | -0.02% | 0.10% | +49 bps | |
| Return on Equity | -13.25% | -9.76% | -8.41% | -3.93% | -3.35% | 0.31% | -0.24% | 0.99% | +492 bps | |
| Net Interest Margin | 2.37% | 2.34% | 2.31% | 2.24% | 2.19% | 2.14% | 2.18% | 2.83% | +59 bps | |
| Efficiency Ratio | 149.72% | 136.54% | 131.76% | 115.89% | 113.60% | 111.30% | 110.40% | 90.84% | -2,505 bps | |
| Non-Interest Burden | 3.66% | 3.28% | 3.11% | 2.62% | 2.51% | 2.40% | 2.42% | 2.62% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -1.83% | -0.93% | 3.10% | 4.27% | 4.71% | 2.70% | 5.48% | +238 bps | |
| Loan Growth (YoY) | 5.56% | 5.71% | 5.47% | 6.24% | 5.63% | 4.01% | 1.46% | 0.27% | -597 bps | |
| Deposit Growth (YoY) | -6.48% | -5.14% | 3.86% | 6.54% | 15.78% | 18.05% | 8.80% | 8.12% | +158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.20% | 0.18% | 0.09% | 0.16% | 0.47% | 0.16% | 0.13% | +4 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.01% | 0.17% | 0.08% | 0.05% | 0.04% | -0.05% | -22 bps | |
| Allowance / Loans | 1.43% | 1.41% | 1.39% | 1.34% | 1.30% | 1.02% | 1.05% | 0.04% | -130 bps | |
| Allowance Coverage of NPLs | 12.7x | 7.1x | 7.8x | 14.8x | 8.0x | 2.2x | 6.6x | 0.3x | -14.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 10.86% | 10.63% | 10.55% | 10.37% | 10.34% | 10.50% | 10.21% | -34 bps | |
| Total Risk-Based Capital | 18.73% | 19.17% | 18.34% | 17.71% | 16.54% | 16.53% | 17.22% | 14.28% | -343 bps | |
| Equity / Assets | 9.59% | 9.44% | 9.87% | 9.68% | 9.51% | 9.67% | 9.99% | 10.50% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.48% | 101.32% | 95.01% | 93.52% | 91.67% | 89.27% | 88.59% | 86.73% | -679 bps | |
| Liquid Assets / Assets | 1.90% | 2.03% | 1.78% | 2.32% | 3.65% | 5.70% | 5.13% | 6.53% | +421 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |