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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.04% | 0.93% | 0.29% | 1.31% | -0.87% | 1.24% | 0.48% | +19 bps | |
| Return on Equity | 7.70% | 7.78% | 7.00% | 2.15% | 9.87% | -6.81% | 9.53% | 3.46% | +131 bps | |
| Net Interest Margin | 3.25% | 3.16% | 3.14% | 3.36% | 3.26% | -2.27% | 4.37% | 3.98% | +62 bps | |
| Efficiency Ratio | 71.06% | 69.04% | 70.87% | 66.22% | 68.77% | 62.38% | 55.97% | 81.61% | +1,539 bps | |
| Non-Interest Burden | 1.93% | 1.75% | 1.84% | 1.77% | 1.79% | -1.27% | 1.74% | 2.80% | +103 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% | 0.03% | 0.00% | -0.14% | -0.04% | -0.41% | 0.10% | -0.11% | +3 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 |