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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 4.08% | 0.45% | 0.70% | 0.63% | 0.66% | 0.64% | 0.09% | -61 bps | |
| Return on Equity | 4.35% | 36.33% | 3.19% | 5.01% | 4.50% | 4.80% | 4.84% | 0.62% | -439 bps | |
| Net Interest Margin | 2.86% | 2.95% | 3.16% | 3.13% | 3.08% | 3.09% | 3.16% | 0.39% | -274 bps | |
| Efficiency Ratio | 87.26% | 83.69% | 78.03% | 71.89% | 73.10% | 72.91% | 74.94% | 66.85% | -504 bps | |
| Non-Interest Burden | 2.46% | 2.32% | 2.30% | 1.92% | 1.98% | 1.97% | 2.10% | 0.22% | -169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.59% | 17.17% | 10.24% | 6.25% | 5.37% | 1.76% | 0.73% | 8.03% | +178 bps | |
| Loan Growth (YoY) | 5.37% | 15.60% | 15.01% | 12.07% | 8.91% | 6.17% | 4.07% | 5.30% | -677 bps | |
| Deposit Growth (YoY) | -2.67% | 2.81% | 2.56% | 2.61% | 7.60% | 3.38% | -0.34% | 2.57% | -4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.16% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.04% | -0.05% | -0.01% | -0.03% | 0.00% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.37% | 1.33% | 1.36% | 1.36% | 1.35% | 1.30% | 1.30% | 0.00% | -135 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.1x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.31% | 11.97% | 11.42% | 11.73% | 11.82% | 11.14% | 11.44% | 10.80% | -93 bps | |
| Total Risk-Based Capital | 15.50% | 15.59% | 15.07% | 15.94% | 15.68% | 14.54% | 14.94% | 12.89% | -305 bps | |
| Equity / Assets | 10.85% | 14.15% | 13.79% | 14.28% | 13.71% | 13.17% | 13.40% | 17.52% | +324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.15% | 89.83% | 90.13% | 91.34% | 87.20% | 92.25% | 94.12% | 93.77% | +243 bps | |
| Liquid Assets / Assets | 2.88% | 0.79% | 0.93% | 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 | n/a | n/a | n/a |