Lawrenceville, IL · Cert 29224
FDIC · 3 branches
Q3 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.57% | -8.01% | 1.95% | 1.89% | -1.24% | -3.18% | 1.48% | 0.66% | -124 bps | |
| Return on Equity | -33.27% | -78.03% | 17.81% | 16.00% | -10.21% | -26.74% | 12.92% | 5.68% | -1,032 bps | |
| Net Interest Margin | 4.26% | 3.82% | 4.10% | 4.26% | 4.47% | 4.33% | 4.08% | 3.62% | -64 bps | |
| Efficiency Ratio | 121.77% | 56.33% | 55.54% | 57.64% | 84.17% | 58.88% | 64.19% | 83.03% | +2,539 bps | |
| Non-Interest Burden | 5.20% | 2.09% | 2.15% | 2.41% | 3.75% | 2.46% | 2.59% | 2.97% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | -5.96% | -8.69% | -10.42% | -13.53% | -13.68% | -4.40% | -3.63% | +678 bps | |
| Loan Growth (YoY) | -6.13% | -13.85% | -12.80% | -15.43% | -15.92% | -11.34% | -16.59% | -15.65% | -22 bps | |
| Deposit Growth (YoY) | -5.53% | -6.17% | -9.29% | -11.22% | -15.72% | -14.76% | -4.22% | -3.07% | +816 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.88% | 4.66% | 4.70% | 4.94% | 3.97% | 5.96% | 7.27% | 7.51% | +257 bps | |
| Net Charge-Offs / Loans | 4.11% | 8.05% | 1.29% | -0.49% | 2.79% | 6.50% | 4.18% | -0.07% | +41 bps | |
| Allowance / Loans | 1.68% | 2.89% | 2.59% | 2.83% | 2.73% | 2.79% | 1.94% | 2.03% | -80 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.6x | 0.6x | 0.6x | 0.7x | 0.5x | 0.3x | 0.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.23% | 11.12% | 11.70% | 12.00% | 11.51% | 11.63% | 11.52% | -18 bps | |
| Total Risk-Based Capital | 12.03% | 12.87% | 13.60% | 14.30% | 14.58% | 14.29% | 15.00% | 15.32% | +102 bps | |
| Equity / Assets | 10.27% | 10.27% | 11.65% | 12.02% | 12.33% | 11.43% | 11.55% | 11.56% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.34% | 90.43% | 100.74% | 97.76% | 100.11% | 94.06% | 87.73% | 85.07% | -1,269 bps | |
| Liquid Assets / Assets | 6.27% | 14.91% | 7.11% | 9.82% | 9.59% | 13.62% | 18.35% | 20.65% | +1,083 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |