Waukegan, IL · Cert 18626
FDIC · 8 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Waukegan, IL · Cert 18626
FDIC · 8 branches
Q3 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #71 of 189 inst. · $0.4B of $398.0B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.36% | -0.38% | 0.10% | -1.14% | 0.78% | 0.59% | 0.64% | +54 bps | |
| Return on Equity | 3.43% | 2.61% | -2.80% | 0.72% | -8.53% | 6.15% | 4.74% | 5.26% | +453 bps | |
| Net Interest Margin | 2.80% | 3.02% | 3.10% | 3.15% | 3.06% | 3.34% | 3.31% | 3.08% | -7 bps | |
| Efficiency Ratio | 89.61% | 85.43% | 128.90% | 104.53% | 94.98% | 72.98% | 78.12% | 76.22% | -2,831 bps | |
| Non-Interest Burden | 2.37% | 2.40% | 3.70% | 3.17% | 2.84% | 2.19% | 2.43% | 2.19% | -98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.99% | 1.35% | -4.07% | -0.14% | 1.19% | -1.46% | 10.68% | 8.20% | +835 bps | |
| Loan Growth (YoY) | 22.02% | 14.24% | 11.60% | 13.10% | 6.17% | 9.14% | 5.27% | -1.36% | -1,446 bps | |
| Deposit Growth (YoY) | -1.27% | -0.53% | -6.04% | -1.08% | 2.22% | -1.04% | 15.37% | 11.93% | +1,301 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.04% | 1.34% | 1.29% | 4.22% | 3.64% | 3.69% | 3.31% | +202 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.04% | -0.48% | -0.36% | -0.10% | 0.29% | 0.19% | +67 bps | |
| Allowance / Loans | 1.97% | 1.94% | 1.92% | 2.20% | 2.22% | 2.17% | 2.05% | 2.09% | -11 bps | |
| Allowance Coverage of NPLs | n/a | 1.9x | 1.4x | 1.7x | 0.5x | 0.6x | 0.6x | 0.6x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.60% | 11.03% | 10.92% | 10.79% | 10.25% | 11.05% | 10.78% | 10.17% | -62 bps | |
| Total Risk-Based Capital | 17.44% | 17.54% | 17.50% | 16.94% | 17.25% | 17.18% | 16.44% | 17.12% | +18 bps | |
| Equity / Assets | 13.68% | 13.70% | 13.88% | 13.38% | 12.46% | 12.85% | 11.88% | 11.64% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.65% | 72.65% | 76.15% | 75.55% | 76.50% | 80.12% | 69.49% | 66.58% | -897 bps | |
| Liquid Assets / Assets | 17.08% | 18.39% | 16.24% | 19.58% | 20.29% | 17.55% | 26.79% | 30.09% | +1,051 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |