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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.92% | 0.70% | 0.84% | 0.83% | 0.24% | 0.92% | -0.15% | -99 bps | |
| Return on Equity | 8.65% | 8.92% | 6.84% | 8.24% | 8.02% | 2.31% | 9.16% | -1.17% | -941 bps | |
| Net Interest Margin | 3.50% | 3.45% | 3.26% | 3.43% | 3.48% | 3.45% | 3.40% | -0.47% | -390 bps | |
| Efficiency Ratio | 65.30% | 62.97% | 69.87% | 63.76% | 64.79% | 59.56% | 66.18% | 51.26% | -1,249 bps | |
| Non-Interest Burden | 2.01% | 1.89% | 2.08% | 1.96% | 2.03% | 1.79% | 2.03% | -0.70% | -266 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 | 0.02% | 0.20% | 0.27% | 0.08% | 0.52% | 0.40% | 0.16% | 0.26% | +17 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 |