Edwardsville, IL · Cert 30330
FDIC · 7 branches
Q4 2016
Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.6% share · #23 of 132 inst. · $0.5B of $95.1B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.68% | 0.64% | 0.13% | 0.38% | -43 bps | |
| Return on Equity | 6.13% | 5.23% | 4.95% | 1.01% | 2.82% | -331 bps | |
| Net Interest Margin | 2.80% | 2.83% | 2.71% | 0.30% | 1.02% | -177 bps | |
| Efficiency Ratio | 67.51% | 66.61% | 70.28% | 33.72% | 44.84% | -2,266 bps | |
| Non-Interest Burden | 1.73% | 1.75% | 1.78% | 0.09% | 0.41% | -132 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.77% | 4.28% | 12.18% | 8.81% | 3.52% | -425 bps | |
| Loan Growth (YoY) | 5.13% | 9.53% | 11.88% | 5.74% | 2.73% | -241 bps | |
| Deposit Growth (YoY) | 4.44% | 1.21% | 12.44% | 6.73% | 3.04% | -139 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.19% | 0.00% | -0.01% | 0.00% | 0.02% | +22 bps | |
| Allowance / Loans | 1.38% | 1.37% | 1.39% | 0.00% | 0.01% | -137 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.47% | 11.30% | 10.89% | 11.99% | 12.04% | +57 bps | |
| Total Risk-Based Capital | 15.91% | 14.91% | 14.93% | 14.97% | 15.08% | -83 bps | |
| Equity / Assets | 12.69% | 13.16% | 12.82% | 14.55% | 14.11% | +142 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.02% | 86.76% | 82.78% | 82.78% | 79.77% | -25 bps | |
| Liquid Assets / Assets | 2.51% | 1.81% | 3.33% | 2.65% | 2.59% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |