Sycamore, IL · Cert 10036
FDIC · 10 branches
Q4 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.1% share · #58 of 218 inst. · $0.5B of $384.6B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | 0.61% | 0.29% | 0.42% | 0.84% | +113 bps | |
| Return on Equity | -3.08% | 6.47% | 3.11% | 4.52% | 8.79% | +1,187 bps | |
| Net Interest Margin | 3.00% | 2.88% | 2.85% | 3.00% | 3.01% | +2 bps | |
| Efficiency Ratio | 102.75% | 83.93% | 87.69% | 84.32% | 79.41% | -2,334 bps | |
| Non-Interest Burden | 3.10% | 2.19% | 2.34% | 2.30% | 2.10% | -100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.31% | 5.49% | 2.57% | 1.56% | 3.50% | +319 bps | |
| Loan Growth (YoY) | 6.54% | 6.60% | 4.13% | 1.89% | 3.66% | -288 bps | |
| Deposit Growth (YoY) | -0.12% | 5.53% | 2.48% | 1.17% | 3.23% | +335 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.10% | 0.15% | 0.09% | 0.11% | -5 bps | |
| Allowance / Loans | 0.95% | 0.97% | 0.98% | 1.00% | 1.01% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 8.63% | 8.63% | 8.72% | 8.92% | n/a | |
| Total Risk-Based Capital | 13.18% | 13.37% | 13.39% | 13.48% | 13.67% | +49 bps | |
| Equity / Assets | 9.68% | 9.18% | 9.47% | 9.20% | 9.89% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.63% | 68.80% | 71.65% | 68.60% | 74.94% | +31 bps | |
| Liquid Assets / Assets | 1.91% | 9.52% | 3.89% | 9.00% | 3.35% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |