Rockford, IL · Cert 57927
FDIC · 2 branches
Q3 2019
Market Position · Rockford, IL · 2019 SOD (annual) · 7.1% share · #7 of 25 inst. · $0.5B of $6.4B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.59% | 0.66% | -0.26% | 0.15% | 0.46% | 0.55% | 0.43% | +69 bps | |
| Return on Equity | 7.07% | 6.93% | 7.79% | -3.09% | 1.74% | 5.29% | 6.29% | 4.95% | +803 bps | |
| Net Interest Margin | 2.80% | 3.00% | 2.90% | 2.83% | 2.72% | 2.67% | 2.66% | 2.67% | -16 bps | |
| Efficiency Ratio | 66.15% | 74.88% | 72.60% | 72.00% | 69.86% | 83.13% | 79.59% | 81.04% | +904 bps | |
| Non-Interest Burden | 1.59% | 2.08% | 1.92% | 1.86% | 1.73% | 2.14% | 2.01% | 2.05% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.02% | 17.48% | 13.62% | 8.75% | 10.42% | 9.60% | 8.09% | 7.30% | -146 bps | |
| Loan Growth (YoY) | 16.39% | 18.46% | 14.89% | 10.47% | 10.76% | 6.79% | 9.46% | 6.80% | -367 bps | |
| Deposit Growth (YoY) | 22.61% | 21.33% | 8.46% | 11.87% | 12.85% | 14.32% | 20.44% | 12.44% | +56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.55% | 0.51% | 2.19% | 0.87% | 0.70% | 1.10% | 1.07% | -113 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.07% | 0.05% | 0.79% | -0.08% | 0.45% | 0.32% | +27 bps | |
| Allowance / Loans | 1.51% | 1.51% | 1.50% | 2.71% | 1.72% | 1.74% | 1.43% | 1.55% | -116 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.8x | 2.9x | 1.2x | 2.0x | 2.5x | 1.3x | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.94% | 8.93% | 8.90% | 8.20% | 8.93% | 8.84% | 9.04% | 9.09% | +89 bps | |
| Total Risk-Based Capital | 11.28% | 11.07% | 10.81% | 10.19% | 10.89% | 10.93% | 10.68% | 10.74% | +56 bps | |
| Equity / Assets | 8.55% | 8.58% | 8.49% | 7.99% | 8.63% | 8.73% | 8.76% | 8.89% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.47% | 99.82% | 102.77% | 97.68% | 93.69% | 93.24% | 93.40% | 92.78% | -490 bps | |
| Liquid Assets / Assets | 9.17% | 8.84% | 9.75% | 9.65% | 9.07% | 10.97% | 8.62% | 8.76% | -88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |