Bloomington, IL · Cert 34617
FDIC · 2 branches
Q4 2020
Market Position · Bloomington, IL · 2020 SOD (annual) · 76.3% share · #1 of 27 inst. · $11.4B of $14.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.47% | 0.64% | 0.22% | -0.31% | 0.31% | 0.00% | 0.00% | -22 bps | |
| Return on Equity | 1.02% | 4.04% | 5.41% | 1.83% | -2.56% | 2.71% | 0.00% | 0.00% | -183 bps | |
| Net Interest Margin | 2.85% | 2.88% | 2.94% | 2.92% | 2.72% | -2.78% | 0.00% | 0.00% | -292 bps | |
| Efficiency Ratio | 73.65% | 69.21% | 62.96% | 69.73% | 75.03% | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 2.00% | 1.74% | 1.51% | 1.81% | 1.89% | -1.93% | 0.00% | 0.00% | -181 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.61% | -4.38% | -6.69% | -3.01% | -0.89% | -1.74% | -23.02% | -95.63% | -9,263 bps | |
| Loan Growth (YoY) | -4.42% | -7.28% | -8.90% | -8.76% | -13.80% | -19.61% | -93.12% | -97.14% | -8,838 bps | |
| Deposit Growth (YoY) | -5.04% | -0.68% | 4.87% | 9.99% | 8.34% | 5.78% | -7.90% | -100.00% | -10,999 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.09% | 1.05% | 1.09% | 1.12% | 1.18% | 1.12% | 4.48% | 2.88% | +177 bps | |
| Net Charge-Offs / Loans | 1.24% | 0.99% | 1.07% | 1.17% | 1.40% | -1.53% | 0.00% | 0.00% | -117 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.53% | 1.52% | 1.88% | 0.00% | 0.00% | 0.00% | -152 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.4x | 1.4x | 1.6x | 0.0x | 0.0x | 0.0x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 11.45% | 11.83% | 11.98% | 11.66% | 10.67% | 11.31% | 14.71% | +273 bps | |
| Total Risk-Based Capital | 18.90% | 19.60% | 20.41% | 20.68% | 22.09% | 21.54% | 147.03% | 76.34% | +5,566 bps | |
| Equity / Assets | 11.40% | 11.72% | 12.13% | 11.83% | 12.00% | 10.83% | 14.17% | 56.90% | +4,507 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.63% | 95.02% | 90.55% | 88.33% | 78.47% | 72.22% | 6.76% | 56765% | +5,667,707 bps | |
| Liquid Assets / Assets | 17.40% | 17.79% | 18.04% | 14.83% | 18.83% | 18.77% | 83.16% | 0.04% | -1,480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |