Quincy, IL · Cert 35209
FDIC · 2 branches
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.14% | 1.28% | 1.48% | 1.30% | -1 bps | |
| Return on Equity | 12.14% | 10.59% | 11.92% | 13.77% | 12.14% | 0 bps | |
| Net Interest Margin | 3.56% | 3.58% | 3.67% | 3.70% | 3.65% | +9 bps | |
| Efficiency Ratio | 66.86% | 66.93% | 62.08% | 62.19% | 62.88% | -398 bps | |
| Non-Interest Burden | 2.21% | 2.24% | 2.09% | 2.12% | 2.10% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.32% | 8.64% | 3.11% | 8.17% | 3.35% | -997 bps | |
| Loan Growth (YoY) | 13.90% | 14.35% | 7.64% | 8.41% | 4.88% | -902 bps | |
| Deposit Growth (YoY) | 16.05% | 6.37% | 3.41% | 5.19% | 3.72% | -1,233 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.19% | -0.01% | 0.01% | 0.02% | +7 bps | |
| Allowance / Loans | 0.91% | 0.91% | 1.02% | 0.97% | 1.13% | +21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.82% | 11.08% | 10.82% | n/a | |
| Total Risk-Based Capital | 13.89% | 13.79% | 14.08% | 13.98% | 13.92% | +3 bps | |
| Equity / Assets | 10.92% | 10.41% | 11.00% | 10.79% | 10.75% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.78% | 108.52% | 104.15% | 108.28% | 104.94% | +116 bps | |
| Liquid Assets / Assets | 4.00% | 3.56% | 4.85% | 3.58% | 4.11% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |