Jacksonville, IL · Cert 28211
FDIC · 6 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 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.
Jacksonville, IL · Cert 28211
FDIC · 6 branches
Q4 2018
Market Position · St. Louis, MO-IL · 2018 SOD (annual) · 0.0% share · #113 of 125 inst. · $0.0B of $86.9B
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.02% | 0.99% | 0.82% | 1.31% | 0.19% | 0.55% | 0.53% | -29 bps | |
| Return on Equity | 7.70% | 7.74% | 7.50% | 6.18% | 9.87% | 1.48% | 4.20% | 4.01% | -217 bps | |
| Net Interest Margin | 3.25% | 3.17% | 3.14% | 3.24% | 3.26% | 0.52% | 1.82% | 2.42% | -82 bps | |
| Efficiency Ratio | 71.06% | 70.04% | 70.32% | 69.26% | 68.77% | 62.38% | 57.33% | 67.34% | -192 bps | |
| Non-Interest Burden | 1.93% | 1.82% | 1.82% | 1.83% | 1.79% | 0.22% | 0.73% | 1.27% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 7.27% | 1.79% | 1.80% | 1.88% | 4.76% | -3.35% | -1.73% | -353 bps | |
| Loan Growth (YoY) | -5.16% | -1.34% | -0.61% | 0.88% | 3.98% | 1.48% | -2.06% | -1.91% | -279 bps | |
| Deposit Growth (YoY) | 6.68% | 8.11% | 2.11% | -1.98% | 1.25% | -0.35% | -4.16% | -1.67% | +31 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 0.78% | 0.71% | 0.92% | 0.87% | 0.81% | 0.68% | 0.70% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | -0.03% | -0.04% | -0.22% | -0.12% | -0.12% | -9 bps | |
| Allowance / Loans | 1.67% | 1.61% | 1.64% | 1.52% | 1.45% | 0.11% | 0.43% | 0.60% | -92 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.1x | 2.3x | 1.6x | 1.7x | 0.1x | 0.6x | 0.9x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.99% | 12.96% | 13.11% | 13.00% | 13.13% | 6.89% | 7.45% | 7.96% | -505 bps | |
| Total Risk-Based Capital | 20.46% | 20.38% | 20.89% | 19.94% | 20.64% | 9.86% | 11.21% | 11.42% | -852 bps | |
| Equity / Assets | 13.46% | 13.25% | 13.42% | 13.28% | 13.21% | 12.50% | 13.57% | 14.16% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.67% | 67.89% | 67.56% | 73.11% | 70.52% | 69.14% | 69.04% | 72.94% | -17 bps | |
| Liquid Assets / Assets | 0.70% | 1.15% | 6.02% | 1.34% | 1.76% | 0.78% | 3.56% | 1.54% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |