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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.30% | 0.48% | 0.44% | 0.50% | 1.41% | 0.64% | 0.57% | +13 bps | |
| Return on Equity | 6.60% | 3.19% | 5.30% | 5.04% | 5.82% | 16.98% | 7.81% | 6.82% | +178 bps | |
| Net Interest Margin | 2.86% | 2.85% | 2.41% | 2.21% | 2.19% | 2.30% | 2.35% | 2.47% | +26 bps | |
| Efficiency Ratio | 75.82% | 83.96% | 68.17% | 74.71% | 77.28% | 51.21% | 67.15% | 73.43% | -128 bps | |
| Non-Interest Burden | 2.04% | 2.33% | 1.38% | 1.46% | 1.60% | 0.33% | 1.46% | 1.72% | +26 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 | 0.40% | 0.13% | 0.02% | 0.07% | 0.25% | 0.00% | -0.04% | -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 |