Roscoe, IL · Cert 57275
FDIC · 2 branches
Q1 2019
Market Position · Rockford, IL · 2018 SOD (annual) · 0.6% share · #20 of 25 inst. · $0.0B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11%1 | 0.33% | 0.24% | 0.45% | 0.33% | 0.27% | 0.79% | -0.13% | -58 bps | |
| Return on Equity | 1.05% | 3.08% | 2.25% | 4.23% | 3.01% | 2.46% | 7.29% | -1.13% | -537 bps | |
| Net Interest Margin | 3.40% | 3.32% | 3.45% | 3.28% | 3.18% | 3.16% | 3.50% | 3.33% | +5 bps | |
| Efficiency Ratio | 97.80% | 87.81% | 89.96% | 84.70% | 89.28% | 91.56% | 74.10% | 106.90% | +2,220 bps | |
| Non-Interest Burden | 3.32% | 2.89% | 3.08% | 2.73% | 2.80% | 2.86% | 2.46% | 3.57% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.05% | 3.52% | 3.15% | 5.92% | -2.08% | 0.43% | 0.37% | -0.87% | -678 bps | |
| Loan Growth (YoY) | 5.12% | 6.25% | 8.13% | 7.53% | 4.04% | 2.61% | 4.94% | 3.31% | -422 bps | |
| Deposit Growth (YoY) | 1.22% | 4.00% | 6.59% | 4.04% | -15.71% | -13.80% | -16.24% | -10.84% | -1,488 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.57% | 0.45% | 1.13% | 0.95% | 0.66% | 0.04% | 0.06% | -107 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.10% | 0.58% | -0.15% | 0.31% | 0.58% | -0.01% | -0.03% | +12 bps | |
| Allowance / Loans | 0.99% | 0.99% | 0.83% | 0.88% | 0.82% | 0.65% | 0.63% | 0.66% | -23 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.9x | 0.8x | 0.9x | 1.0x | 16.8x | 11.7x | +11.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 10.74% | 10.58% | 10.87% | 10.79% | 11.01% | 10.99% | 11.07% | +20 bps | |
| Total Risk-Based Capital | 15.71% | 15.47% | 14.94% | 14.67% | 14.80% | 14.20% | 13.84% | 13.84% | -83 bps | |
| Equity / Assets | 10.84% | 10.80% | 10.79% | 10.52% | 11.06% | 10.69% | 11.08% | 11.01% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.23% | 85.97% | 87.53% | 88.96% | 103.97% | 102.33% | 109.66% | 103.08% | +1,412 bps | |
| Liquid Assets / Assets | 1.97% | 1.95% | 1.96% | 2.19% | 2.01% | 3.14% | 1.74% | 1.56% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |