Mazon, IL · Cert 16179
FDIC · 3 branches
Q2 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #163 of 208 inst. · $0.1B of $391.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65%1 | 0.49% | 0.22%1 | 0.01% | 0.74% | -0.24% | 0.45% | -1.18% | -120 bps | |
| Return on Equity | 7.87% | 6.11% | 2.60% | 0.16% | 8.71% | -2.72% | 5.00% | -12.65% | -1,281 bps | |
| Net Interest Margin | 2.22% | 2.55% | 2.04% | 2.93% | 2.73% | 2.52% | 2.58% | 2.69% | -24 bps | |
| Efficiency Ratio | 103.01% | 82.44% | 109.50% | 84.86% | 82.98% | 106.37% | 93.73% | 124.80% | +3,993 bps | |
| Non-Interest Burden | 2.33% | 2.03% | 2.33% | 2.39% | 2.07% | 2.72% | 2.37% | 3.56% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 6.41% | 0.91% | -0.91% | -0.03% | -4.67% | -3.41% | -5.70% | -479 bps | |
| Loan Growth (YoY) | -5.61% | 0.68% | 0.05% | -1.59% | -1.21% | -7.24% | -2.68% | -2.89% | -130 bps | |
| Deposit Growth (YoY) | 7.56% | 3.89% | 2.08% | -1.41% | -6.31% | -1.44% | -4.70% | -4.09% | -268 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 | 0.21% | 0.83% | 0.19% | 0.23% | -0.02% | 0.02% | 0.46% | 0.07% | -15 bps | |
| Allowance / Loans | 0.84% | 0.61% | 0.61% | 0.58% | 0.59% | 0.62% | 0.52% | 0.69% | +10 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 | n/a | 8.17% | 8.41% | 8.79% | 8.87% | 9.10% | 8.87% | +46 bps | |
| Total Risk-Based Capital | 13.77% | 13.28% | 14.42% | 14.21% | 14.58% | 14.52% | 14.72% | 14.62% | +41 bps | |
| Equity / Assets | 8.09% | 7.99% | 8.79% | 8.31% | 8.71% | 8.78% | 9.23% | 9.47% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.23% | 47.48% | 41.99% | 44.11% | 45.58% | 44.68% | 42.88% | 44.66% | +55 bps | |
| Liquid Assets / Assets | 1.84% | 2.15% | 3.41% | 2.09% | 2.00% | 1.90% | 2.14% | 1.96% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |