Sublette, IL · Cert 5731
FDIC · 2 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sublette, IL · Cert 5731
FDIC · 2 branches
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.57% | 0.61% | 0.14% | 0.57% | 0.83% | 0.77% | -1.23% | -137 bps | |
| Return on Equity | 8.28% | 6.58% | 6.86% | 1.39% | 5.77% | 8.14% | 7.47% | -11.40% | -1,279 bps | |
| Net Interest Margin | 2.71% | 2.77% | 2.98% | 2.65% | 2.62% | 2.70% | 2.82% | 2.15% | -51 bps | |
| Efficiency Ratio | 92.64% | 91.84% | 94.65% | 95.10% | 92.99% | 91.96% | 89.75% | 108.09% | +1,298 bps | |
| Non-Interest Burden | 2.49% | 2.52% | 2.81% | 2.52% | 2.42% | 2.46% | 2.50% | 2.34% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.03% | -2.74% | -5.07% | -4.90% | -2.14% | -7.13% | -1.94% | -5.99% | -109 bps | |
| Loan Growth (YoY) | -12.22% | -6.43% | -8.27% | -6.83% | 0.07% | 1.12% | -1.63% | -1.71% | +513 bps | |
| Deposit Growth (YoY) | -3.55% | -5.49% | -7.50% | -5.26% | -7.62% | -9.72% | -3.09% | -6.98% | -173 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 | 0.28% | 0.65% | 0.47% | -0.08% | -0.09% | -0.08% | -0.08% | -0.14% | -6 bps | |
| Allowance / Loans | 5.66% | 5.14% | 4.68% | 4.96% | 4.37% | 3.58% | 3.70% | 3.94% | -102 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 | 9.90% | 9.98% | 10.55% | 11.17% | 10.88% | +98 bps | |
| Total Risk-Based Capital | 21.85% | 21.27% | 22.15% | 22.77% | 22.79% | 23.18% | 24.06% | 28.99% | +622 bps | |
| Equity / Assets | 8.93% | 9.30% | 10.18% | 9.74% | 9.79% | 11.04% | 10.96% | 10.69% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.49% | 44.04% | 45.56% | 42.25% | 43.87% | 49.32% | 46.25% | 44.65% | +240 bps | |
| Liquid Assets / Assets | 3.93% | 2.38% | 3.84% | 4.16% | 3.55% | 3.84% | 5.41% | 31.66% | +2,750 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |