Granite City, IL · Cert 29986
FDIC · 1 branch
Q3 2024
Market Position · St. Louis, MO-IL · 2024 SOD (annual) · 0.0% share · #101 of 112 inst. · $0.0B of $132.1B
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | -0.05% | -0.27% | -0.53% | -0.61% | -0.83% | -1.68% | -1.82% | -129 bps | |
| Return on Equity | 1.64% | -0.27% | -1.55% | -3.08% | -3.52% | -4.52% | -9.38% | -10.14% | -706 bps | |
| Net Interest Margin | 2.37% | 2.07% | 2.06% | 2.06% | 2.06% | 1.75% | 1.70% | 1.61% | -46 bps | |
| Efficiency Ratio | 102.29% | 101.88% | 111.08% | 122.11% | 126.05% | 139.76% | 179.18% | 188.15% | +6,604 bps | |
| Non-Interest Burden | 2.43% | 2.12% | 2.32% | 2.59% | 2.68% | 2.55% | 3.43% | 3.40% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -8.14% | -14.65% | -5.98% | -9.02% | -8.64% | -0.54% | -0.57% | +541 bps | |
| Loan Growth (YoY) | -1.25% | -1.36% | -2.58% | 0.09% | 2.01% | -0.19% | -1.17% | -2.92% | -302 bps | |
| Deposit Growth (YoY) | -9.92% | -5.26% | -3.59% | 0.48% | -1.48% | -4.07% | -0.52% | -2.23% | -270 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 0.86% | 0.38% | 0.00% | 0.18% | 0.00% | 0.04% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.47% | 0.48% | 0.48% | 0.47% | 0.46% | 0.48% | 0.48% | 0.48% | +1 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 1.3x | n/a | 2.6x | n/a | 11.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.97% | 19.96% | 20.25% | 20.72% | 21.14% | 21.43% | 21.13% | 21.54% | +82 bps | |
| Total Risk-Based Capital | 19.97% | 19.96% | 20.25% | 20.72% | 21.14% | 21.43% | 21.13% | 21.54% | +82 bps | |
| Equity / Assets | 16.88% | 16.92% | 17.94% | 16.92% | 18.69% | 17.85% | 17.08% | 18.15% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.13% | 53.18% | 54.05% | 55.61% | 59.14% | 55.33% | 53.70% | 55.21% | -39 bps | |
| Liquid Assets / Assets | 9.68% | 16.70% | 10.91% | 9.95% | 7.97% | 8.61% | 10.58% | 8.43% | -152 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |