Lawrenceville, IL · Cert 29224
FDIC · 3 branches
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | -8.01% | -3.19% | -1.57% | -1.49% | -3.18% | -0.85% | -0.35% | +122 bps | |
| Return on Equity | 1.80% | -78.03% | -29.81% | -14.27% | -13.25% | -26.74% | -7.23% | -2.98% | +1,129 bps | |
| Net Interest Margin | 4.58% | 3.82% | 4.08% | 4.22% | 4.37% | 4.33% | 4.20% | 3.98% | -24 bps | |
| Efficiency Ratio | 65.34% | 56.33% | 55.93% | 56.49% | 63.43% | 58.88% | 61.42% | 68.09% | +1,160 bps | |
| Non-Interest Burden | 2.96% | 2.09% | 2.18% | 2.30% | 2.71% | 2.46% | 2.52% | 2.66% | +36 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 | 1.17% | 8.05% | 4.70% | 3.11% | 3.05% | 6.50% | 5.57% | 3.81% | +70 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 |