Dwight, IL · Cert 3658
FDIC · 2 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.52% | 0.59% | 0.52% | 0.54% | 0.56% | 0.62% | 0.36% | -16 bps | |
| Return on Equity | 4.58% | 4.32% | 5.12% | 5.59% | 5.63% | 5.70% | 6.28% | 3.71% | -188 bps | |
| Net Interest Margin | 2.16% | 2.12% | 1.93% | 1.98% | 2.05% | 2.09% | 2.16% | 2.18% | +20 bps | |
| Efficiency Ratio | 77.36% | 78.77% | 77.48% | 78.36% | 77.86% | 77.70% | 76.91% | 85.15% | +679 bps | |
| Non-Interest Burden | 1.58% | 1.59% | 1.41% | 1.47% | 1.51% | 1.53% | 1.55% | 1.80% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 8.14% | 16.61% | 20.68% | 15.57% | 5.97% | -3.24% | -5.68% | -2,637 bps | |
| Loan Growth (YoY) | -2.88% | -4.79% | -6.17% | -7.55% | 2.73% | 2.76% | 7.23% | 11.13% | +1,868 bps | |
| Deposit Growth (YoY) | 4.31% | 8.92% | 20.23% | 25.27% | 18.76% | 7.37% | -6.21% | -5.63% | -3,090 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.21% | 0.00% | 0.00% | 0.00% | -5 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.02% | -0.02% | -0.02% | -0.04% | -0.01% | +1 bps | |
| Allowance / Loans | 1.16% | 1.13% | 1.07% | 1.19% | 1.14% | 1.11% | 0.97% | 1.05% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 25.9x | 5.5x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.10% | 11.99% | 10.62% | 9.65% | 9.90% | 10.13% | 10.44% | 10.46% | +82 bps | |
| Total Risk-Based Capital | 34.06% | 33.23% | 31.25% | 32.38% | 32.42% | 32.20% | 30.79% | 31.68% | -70 bps | |
| Equity / Assets | 12.59% | 11.63% | 9.45% | 9.28% | 10.09% | 10.32% | 10.07% | 9.29% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.01% | 30.26% | 29.03% | 25.40% | 27.69% | 28.96% | 33.19% | 29.91% | +451 bps | |
| Liquid Assets / Assets | 29.92% | 32.53% | 29.13% | 29.45% | 28.33% | 26.23% | 24.73% | 22.82% | -662 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |