Davis, IL · Cert 5740
FDIC · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 1.16% | 1.18% | 1.04% | 1.05% | 0.90% | 0.87% | 0.78% | -26 bps | |
| Return on Equity | 9.84% | 16.35% | 15.83% | 13.09% | 13.12% | 10.50% | 9.96% | 8.90% | -418 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.70% | 2.61% | 2.62% | 2.58% | 2.54% | 2.46% | -15 bps | |
| Efficiency Ratio | 59.05% | 53.20% | 55.86% | 55.16% | 55.99% | 60.34% | 61.25% | 64.11% | +895 bps | |
| Non-Interest Burden | 1.48% | 1.26% | 1.36% | 1.23% | 1.32% | 1.47% | 1.47% | 1.50% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.62% | 1.54% | 3.15% | 1.08% | 4.77% | 4.48% | 1.75% | -0.72% | -180 bps | |
| Loan Growth (YoY) | 24.66% | 11.10% | 12.08% | 10.91% | 12.93% | 13.28% | 6.22% | 0.15% | -1,076 bps | |
| Deposit Growth (YoY) | -0.28% | 0.23% | 1.99% | 0.29% | 4.10% | 1.23% | 0.69% | -2.37% | -266 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.89% | 0.81% | 0.77% | 0.77% | 0.75% | 0.73% | 0.79% | +2 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.08% | -0.02% | -0.02% | -0.01% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.66% | 1.69% | 1.51% | 1.49% | 1.44% | 1.47% | 1.48% | 1.55% | +7 bps | |
| Allowance Coverage of NPLs | 758.5x | 1.9x | 1.9x | 1.9x | 1.9x | 2.0x | 2.0x | 2.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 10.84% | 10.94% | 11.20% | 11.13% | 11.20% | 11.23% | 11.51% | +30 bps | |
| Total Risk-Based Capital | 10.81% | 10.84% | 10.94% | 11.20% | 11.13% | 11.20% | 11.23% | 11.51% | +30 bps | |
| Equity / Assets | 7.34% | 6.82% | 8.03% | 7.93% | 8.08% | 9.04% | 8.40% | 9.13% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.10% | 58.49% | 61.99% | 63.84% | 65.19% | 65.46% | 65.39% | 65.49% | +165 bps | |
| Liquid Assets / Assets | 0.61% | 3.47% | 1.38% | 0.50% | 0.64% | 1.10% | 0.79% | 1.28% | +78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |