Pekin, IL · Cert 3725
FDIC · 5 branches
Q4 2014
Market Position · Peoria, IL · 2014 SOD (annual) · 3.5% share · #6 of 42 inst. · $0.2B of $6.9B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.47% | 0.54% | 0.58% | 0.47% | 0.54% | 0.38% | 0.34% | -24 bps | |
| Return on Equity | 3.28% | 4.31% | 5.08% | 5.51% | 4.63% | 5.16% | 3.65% | 3.24% | -228 bps | |
| Net Interest Margin | 2.33% | 2.34% | 2.29% | 2.35% | 2.59% | 2.53% | 2.52% | 2.53% | +18 bps | |
| Efficiency Ratio | 82.53% | 82.04% | 80.48% | 79.94% | 81.19% | 78.64% | 79.66% | 81.39% | +145 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 1.60% | 1.63% | 1.92% | 1.80% | 1.84% | 1.91% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.46% | 3.40% | 4.78% | 5.76% | 7.49% | 4.02% | 0.84% | 1.58% | -418 bps | |
| Loan Growth (YoY) | -6.63% | -4.24% | -2.26% | -2.04% | 0.08% | 1.94% | -1.05% | -1.57% | +47 bps | |
| Deposit Growth (YoY) | -4.53% | 3.80% | 5.65% | 6.98% | 8.36% | 3.43% | 0.20% | 0.95% | -603 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 | 0.16% | 0.50% | 0.30% | 0.20% | 0.42% | 0.57% | 0.84% | 0.61% | +42 bps | |
| Allowance / Loans | 1.74% | 1.57% | 1.63% | 1.74% | 1.77% | 1.68% | 1.48% | 1.67% | -7 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.14% | 22.79% | 22.63% | 23.04% | 23.04% | 23.11% | 23.87% | 24.00% | +96 bps | |
| Equity / Assets | 11.05% | 10.43% | 10.25% | 10.09% | 10.24% | 10.86% | 10.80% | 10.67% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.98% | 48.43% | 47.72% | 46.75% | 45.24% | 47.74% | 47.13% | 45.58% | -117 bps | |
| Liquid Assets / Assets | 16.46% | 20.19% | 18.75% | 17.06% | 17.50% | 11.06% | 13.48% | 15.81% | -125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |