Sheldon, IL · Cert 936
FDIC · 2 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.12% | 0.12% | 0.40% | 0.13% | -0.02% | -0.24% | -1.44% | -183 bps | |
| Return on Equity | 5.42% | 1.18% | 1.42% | 4.94% | 1.40% | -0.23% | -3.00% | -20.31% | -2,525 bps | |
| Net Interest Margin | 3.61% | 3.29% | 3.03% | 3.13% | 3.04% | 3.21% | 2.94% | 2.75% | -38 bps | |
| Efficiency Ratio | 88.02% | 98.86% | 94.97% | 88.83% | 96.61% | 93.33% | 115.38% | 125.25% | +3,642 bps | |
| Non-Interest Burden | 3.07% | 3.25% | 2.84% | 2.69% | 2.92% | 2.95% | 3.46% | 3.68% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 0.62% | 13.86% | 13.34% | 4.13% | 6.83% | 3.65% | 25.68% | +1,234 bps | |
| Loan Growth (YoY) | -3.25% | 1.23% | -1.27% | -5.18% | -3.89% | -4.89% | -3.04% | 5.61% | +1,079 bps | |
| Deposit Growth (YoY) | 0.86% | 0.27% | 14.95% | 14.76% | 4.51% | 7.46% | 3.67% | 28.56% | +1,380 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 | 0.04% | 0.63% | -0.08% | -0.08% | 0.20% | 0.66% | 0.00% | 1.97% | +205 bps | |
| Allowance / Loans | 1.50% | 1.37% | 1.39% | 1.43% | 1.39% | 1.40% | 1.24% | 1.01% | -43 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 | 9.88% | 9.02% | 9.11% | 9.21% | 9.36% | 8.58% | 7.60% | -151 bps | |
| Total Risk-Based Capital | 19.32% | 18.81% | 18.01% | 18.08% | 18.23% | 18.22% | 17.17% | 14.82% | -326 bps | |
| Equity / Assets | 10.08% | 9.87% | 7.25% | 9.04% | 9.77% | 9.37% | 7.25% | 6.89% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.35% | 65.15% | 47.31% | 57.63% | 62.86% | 57.66% | 44.25% | 47.34% | -1,028 bps | |
| Liquid Assets / Assets | 8.21% | 13.98% | 30.68% | 17.65% | 18.98% | 20.92% | 31.32% | 21.50% | +385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |