PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Lawrence County, The

Bridgeport, IL · Cert 34721

FDIC · 2 branches

Q1 2015

$44.8MAssets
$11.3MLoans
$38.8MDeposits
$5.5MEquity
Loan mix
70%RE $6.6M15%C&I $1.4M15%Consumer $1.4MQ2 2013Q1 2015
Deposit mix
78%Interest-bearing $30.3M22%Noninterest $8.5MQ2 2013Q1 2015

Executive Summary

  • Earnings: ROA of 0.57%, up 17 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.47%.
  • Funding: loans stand at 29.04% of deposits as of Q1 2015.

Return on Assets (YTD, annualized)

0.57%+17 bps YoY

Net Interest Margin (YTD, annualized)

1.99%+10 bps YoY

Efficiency Ratio (YTD, annualized)

76.47%-361 bps YoY

Tier 1 Leverage Ratio

11.47%
n/a

NIM

2.65%Q1 ’132.19%Q1 ’142.25%Q1 ’15-18%+5%

Non-interest income vs. expense

1.56%Q1 ’131.63%Q1 ’141.62%Q1 ’15+3%+1%

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.86%0.77%0.66%0.39%0.46%0.47%0.33%0.57%+17 bps
Return on Equity7.38%6.56%5.71%3.67%4.34%4.45%3.06%4.58%+92 bps
Net Interest Margin2.42%2.54%2.28%1.89%2.00%1.88%2.02%1.99%+10 bps
Efficiency Ratio65.58%68.83%71.16%80.08%77.04%75.99%82.59%76.47%-361 bps
Non-Interest Burden1.54%1.71%1.59%1.49%1.49%1.39%1.64%1.49%+1 bps
Growth
Asset Growth (YoY)-11.59%-8.62%5.99%1.47%19.75%16.24%-14.65%-10.73%-1,220 bps
Loan Growth (YoY)-9.05%-11.63%-15.63%-11.38%0.15%7.50%6.22%0.12%+1,150 bps
Deposit Growth (YoY)-13.47%-9.97%6.77%1.70%23.07%18.79%-16.40%-12.52%-1,422 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.53%0.00%-0.02%0.28%0.22%0.00%0 bps
Allowance / Loans0.82%0.88%0.46%0.46%0.47%0.29%0.37%0.44%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a11.47%n/an/a
Total Risk-Based Capital36.36%39.09%40.18%39.48%37.91%38.42%40.01%42.79%+331 bps
Equity / Assets12.92%12.08%10.76%10.66%10.72%10.32%12.39%12.34%+168 bps
Liquidity & Funding
Loans / Deposits33.68%28.74%24.38%25.38%27.41%26.01%30.98%29.04%+367 bps
Liquid Assets / Assets68.81%72.22%74.92%74.40%73.42%74.34%70.42%72.12%-228 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a