Glenview, IL · Cert 12406
FDIC · 7 branches
Q2 2021
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.2% share · #41 of 168 inst. · $1.3B of $568.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.03% | 1.05% | 0.70% | 0.87% | 0.84% | 0.96% | -2.15% | -285 bps | |
| Return on Equity | 9.70% | 8.61% | 8.54% | 5.59% | 6.96% | 6.85% | 8.21% | -21.56% | -2,714 bps | |
| Net Interest Margin | 2.54% | 2.42% | 2.39% | 2.47% | 2.10% | 2.11% | 2.23% | -1.81% | -428 bps | |
| Efficiency Ratio | 65.19% | 65.24% | 66.16% | 60.26% | 59.10% | 68.66% | 68.80% | 176.96% | +11,670 bps | |
| Non-Interest Burden | 1.43% | 1.39% | 1.35% | 1.18% | 0.91% | 1.24% | 1.35% | -0.48% | -166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.16% | 3.93% | 1.00% | 9.86% | 9.94% | 12.21% | 15.62% | 3.29% | -657 bps | |
| Loan Growth (YoY) | -5.63% | -7.52% | -5.37% | 2.71% | -1.42% | -0.04% | -3.64% | -14.31% | -1,702 bps | |
| Deposit Growth (YoY) | -2.73% | 1.43% | 0.78% | 10.02% | 11.79% | 13.22% | 17.51% | 10.20% | +18 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.03% | 0.00% | 0.00% | 0.92% | 0.91% | 1.17% | 1.03% | +103 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.01% | 0.02% | 0.02% | -0.01% | -0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.84% | 1.88% | 1.93% | 2.31% | 2.62% | 2.64% | 2.77% | 1.86% | -45 bps | |
| Allowance Coverage of NPLs | 19.9x | 64.9x | n/a | n/a | 2.9x | 2.9x | 2.4x | 1.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.05% | 10.85% | 10.95% | 10.32% | 10.43% | 10.39% | 10.30% | 7.35% | -298 bps | |
| Total Risk-Based Capital | 18.05% | 18.26% | 10.95% | 10.32% | 10.43% | 10.39% | 10.30% | 7.35% | -298 bps | |
| Equity / Assets | 12.22% | 11.79% | 12.69% | 12.46% | 12.55% | 12.12% | 11.22% | 8.65% | -382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.27% | 42.76% | 42.51% | 42.49% | 39.92% | 37.75% | 34.85% | 33.04% | -945 bps | |
| Liquid Assets / Assets | 3.16% | 7.25% | 5.18% | 9.05% | 5.24% | 9.42% | 19.84% | 38.55% | +2,950 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |