Streator, IL · Cert 3744
FDIC · 22 branches
Q2 2017
Market Position · Kankakee, IL · 2017 SOD (annual) · 13.9% share · #2 of 18 inst. · $0.3B of $1.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.49% | 0.75% | 0.64% | -0.45% | -141 bps | |
| Return on Equity | 6.85% | 3.50% | 5.61% | 4.84% | -2.87% | -972 bps | |
| Net Interest Margin | 3.12% | 3.08% | 3.10% | 3.16% | -2.39% | -551 bps | |
| Efficiency Ratio | 66.80% | 75.74% | 72.33% | 74.94% | 70.00% | +320 bps | |
| Non-Interest Burden | 1.55% | 2.14% | 1.94% | 2.10% | -1.55% | -310 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.25% | 5.37% | 1.76% | 0.73% | 8.03% | +178 bps | |
| Loan Growth (YoY) | 12.07% | 8.91% | 6.17% | 4.07% | 5.30% | -677 bps | |
| Deposit Growth (YoY) | 2.61% | 7.60% | 3.38% | -0.34% | 2.57% | -4 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.16% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.06% | 0.07% | -0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 1.36% | 1.35% | 1.30% | 1.30% | 0.00% | -135 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.1x | 0.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.73% | 11.82% | 11.14% | 11.44% | 10.80% | -93 bps | |
| Total Risk-Based Capital | 15.94% | 15.68% | 14.54% | 14.94% | 12.89% | -305 bps | |
| Equity / Assets | 14.28% | 13.71% | 13.17% | 13.40% | 17.52% | +324 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.34% | 87.20% | 92.25% | 94.12% | 93.77% | +243 bps | |
| Liquid Assets / Assets | 1.27% | 2.74% | 0.61% | 1.86% | 1.39% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |