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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.16% | 1.24% | 1.32% | 1.14% | 1.28% | 1.48% | 1.30% | -1 bps | |
| Return on Equity | 14.05% | 10.77% | 11.41% | 12.14% | 10.59% | 11.92% | 13.77% | 12.14% | 0 bps | |
| Net Interest Margin | 3.71% | 3.70% | 3.53% | 3.56% | 3.58% | 3.67% | 3.70% | 3.65% | +9 bps | |
| Efficiency Ratio | 62.84% | 67.36% | 66.92% | 66.86% | 66.93% | 62.08% | 62.19% | 62.88% | -398 bps | |
| Non-Interest Burden | 2.10% | 2.25% | 2.17% | 2.21% | 2.24% | 2.09% | 2.12% | 2.10% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.32% | 2.11% | 4.71% | 13.32% | 8.64% | 3.11% | 8.17% | 3.35% | -997 bps | |
| Loan Growth (YoY) | 4.15% | 9.40% | 13.55% | 13.90% | 14.35% | 7.64% | 8.41% | 4.88% | -902 bps | |
| Deposit Growth (YoY) | -3.15% | 0.95% | 5.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.09% | 0.05% | -0.06% | 0.19% | -0.01% | 0.01% | 0.02% | +7 bps | |
| Allowance / Loans | 0.97% | 0.95% | 0.92% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 10.82% | 11.08% | 10.82% | n/a | |
| Total Risk-Based Capital | 14.80% | 14.26% | 14.02% | 13.89% | 13.79% | 14.08% | 13.98% | 13.92% | +3 bps | |
| Equity / Assets | 10.77% | 10.70% | 11.03% | 10.92% | 10.41% | 11.00% | 10.79% | 10.75% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.94% | 100.06% | 105.07% | 103.78% | 108.52% | 104.15% | 108.28% | 104.94% | +116 bps | |
| Liquid Assets / Assets | 6.52% | 6.81% | 2.64% | 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 | n/a | n/a | n/a |