Paris, IL · Cert 29786
FDIC · 7 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 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.
Paris, IL · Cert 29786
FDIC · 7 branches
Q2 2018
Market Position · Champaign-Urbana, IL · 2018 SOD (annual) · 2.4% share · #11 of 36 inst. · $0.2B of $6.4B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.82% | 0.70% | 0.77% | 0.79% | 0.65% | 0.92% | 0.38% | -39 bps | |
| Return on Equity | 7.68% | 8.01% | 6.84% | 7.54% | 7.71% | 6.36% | 9.16% | 3.21% | -433 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.26% | 3.34% | 3.36% | 3.36% | 3.40% | 1.55% | -179 bps | |
| Efficiency Ratio | 67.55% | 66.37% | 69.87% | 66.74% | 66.07% | 64.41% | 66.18% | 46.11% | -2,064 bps | |
| Non-Interest Burden | 2.09% | 2.02% | 2.08% | 2.01% | 2.00% | 1.93% | 2.03% | 0.65% | -136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | 0.71% | 2.90% | 4.46% | 3.48% | 5.18% | 3.92% | 5.95% | +150 bps | |
| Loan Growth (YoY) | 1.57% | -0.63% | 0.31% | 6.81% | 3.77% | 6.34% | 6.10% | -1.44% | -825 bps | |
| Deposit Growth (YoY) | 1.06% | 1.07% | 3.23% | 6.56% | 5.30% | 7.10% | 5.75% | 0.24% | -632 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.00% | 1.00% | 1.05% | 0.63% | 0.42% | 1.23% | +22 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.10% | 0.27% | 0.17% | 0.29% | 0.31% | 0.16% | 0.21% | +4 bps | |
| Allowance / Loans | 1.34% | 1.33% | 1.31% | 1.26% | 1.19% | 1.18% | 1.20% | 0.09% | -118 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.3x | 1.3x | 1.1x | 1.9x | 2.8x | 0.1x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.18% | 10.08% | 10.15% | 10.18% | 10.07% | 10.20% | 9.80% | -35 bps | |
| Total Risk-Based Capital | 13.90% | 14.05% | 14.39% | 13.76% | 13.99% | 13.69% | 14.06% | 11.94% | -182 bps | |
| Equity / Assets | 10.48% | 10.20% | 10.19% | 10.28% | 10.40% | 10.04% | 10.09% | 15.34% | +506 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.93% | 95.80% | 93.18% | 96.72% | 96.50% | 95.11% | 93.49% | 95.10% | -161 bps | |
| Liquid Assets / Assets | 1.95% | 3.40% | 5.49% | 2.13% | 2.51% | 3.67% | 4.97% | 2.19% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |