Lombard, IL · Cert 18509
FDIC · 40 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lombard, IL · Cert 18509
FDIC · 40 branches
Q3 2021
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.5% share · #23 of 168 inst. · $2.6B of $568.2B
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.30% | 0.39% | 0.41% | 0.43% | 1.41% | 1.02% | 0.87% | +46 bps | |
| Return on Equity | 7.27% | 3.19% | 4.26% | 4.52% | 4.86% | 16.98% | 12.36% | 10.50% | +598 bps | |
| Net Interest Margin | 3.00% | 2.85% | 2.50% | 2.35% | 2.27% | 2.30% | 2.26% | 2.34% | -1 bps | |
| Efficiency Ratio | 73.69% | 83.96% | 75.69% | 75.36% | 75.80% | 51.21% | 57.82% | 62.54% | -1,283 bps | |
| Non-Interest Burden | 2.10% | 2.33% | 1.75% | 1.61% | 1.58% | 0.33% | 0.89% | 1.17% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | 1.40% | 14.83% | 16.90% | 19.45% | 26.00% | 13.19% | 9.64% | -726 bps | |
| Loan Growth (YoY) | 1.33% | 3.81% | 17.30% | 19.59% | 20.82% | 21.86% | 7.55% | 6.78% | -1,280 bps | |
| Deposit Growth (YoY) | 2.31% | 1.27% | 15.50% | 18.09% | 20.00% | 27.01% | 11.24% | 9.90% | -819 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.37% | 1.47% | 1.61% | 1.94% | 1.63% | 1.48% | 1.52% | -9 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.13% | 0.06% | 0.07% | 0.11% | 0.00% | -0.02% | -0.02% | -9 bps | |
| Allowance / Loans | 1.16% | 1.19% | 1.29% | 1.35% | 1.25% | 1.24% | 1.24% | 1.23% | -11 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.8x | 0.6x | 0.8x | 0.8x | 0.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.42% | 8.70% | 8.53% | 8.47% | 8.38% | 8.09% | 8.17% | -36 bps | |
| Total Risk-Based Capital | 15.02% | 14.92% | 15.23% | 15.23% | 14.89% | 14.46% | 13.84% | 13.55% | -168 bps | |
| Equity / Assets | 9.48% | 9.62% | 8.64% | 8.70% | 8.45% | 8.12% | 8.19% | 8.40% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.39% | 58.89% | 60.47% | 60.50% | 59.80% | 56.50% | 58.46% | 58.79% | -172 bps | |
| Liquid Assets / Assets | 19.33% | 17.68% | 19.75% | 18.36% | 22.89% | 28.66% | 30.56% | 30.19% | +1,183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |