Alton, IL · Cert 33873
FDIC · 4 branches
Q4 2017
Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 0.3% share · #49 of 128 inst. · $0.3B of $103.6B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.77% | 1.55% | 1.47% | 1.43% | +50 bps | |
| Return on Equity | 7.73% | 7.11% | 14.42% | 13.51% | 12.98% | +524 bps | |
| Net Interest Margin | 3.13% | 2.08% | 3.91% | 3.87% | 3.83% | +70 bps | |
| Efficiency Ratio | 63.19% | 64.78% | 45.49% | 48.07% | 49.73% | -1,346 bps | |
| Non-Interest Burden | 1.77% | 1.20% | 1.77% | 1.85% | 1.91% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.62% | -3.51% | -0.91% | -3.85% | -3.50% | -412 bps | |
| Loan Growth (YoY) | 5.35% | -2.32% | 0.26% | -6.01% | -8.76% | -1,411 bps | |
| Deposit Growth (YoY) | 0.45% | -0.75% | 3.70% | -1.53% | -1.30% | -176 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.74% | 1.53% | 0.86% | 1.29% | +129 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.00% | 0.00% | 0.01% | 0.07% | +15 bps | |
| Allowance / Loans | 1.19% | 0.02% | 0.41% | 0.57% | 0.64% | -55 bps | |
| Allowance Coverage of NPLs | n/a | 0.0x | 0.3x | 0.7x | 0.5x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.39% | 7.43% | 8.61% | 9.00% | 9.40% | -199 bps | |
| Total Risk-Based Capital | 17.91% | 11.48% | 12.94% | 14.11% | 15.05% | -286 bps | |
| Equity / Assets | 12.06% | 9.59% | 10.46% | 11.51% | 11.38% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.13% | 60.56% | 61.66% | 63.81% | 60.21% | -492 bps | |
| Liquid Assets / Assets | 1.78% | 1.68% | 1.47% | 1.54% | 1.38% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |