Joliet, IL · Cert 20040
FDIC · 5 branches
Q1 2024
Market Position · Chicago-Naperville-Elgin, IL-IN · 2023 SOD (annual) · 0.1% share · #81 of 158 inst. · $0.4B of $568.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.30% | 1.39% | 1.70% | 1.50% | 1.50% | 1.59% | 1.31% | -40 bps | |
| Return on Equity | 11.28% | 15.93% | 16.80% | 20.43% | 17.93% | 18.06% | 19.17% | 15.37% | -506 bps | |
| Net Interest Margin | 4.18% | 4.96% | 5.47% | 5.39% | 4.92% | 4.80% | 4.70% | 4.43% | -96 bps | |
| Efficiency Ratio | 70.16% | 61.62% | 59.95% | 54.01% | 57.00% | 55.88% | 57.82% | 62.79% | +878 bps | |
| Non-Interest Burden | 2.84% | 2.93% | 3.16% | 2.77% | 2.67% | 2.58% | 2.58% | 2.69% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 9.61% | 15.75% | 21.59% | 20.56% | 22.74% | 16.97% | 8.68% | -1,291 bps | |
| Loan Growth (YoY) | 0.39% | 6.90% | 15.86% | 20.94% | 22.37% | 19.35% | 12.50% | 8.27% | -1,267 bps | |
| Deposit Growth (YoY) | 11.96% | 6.47% | 10.94% | 16.49% | 17.01% | 28.51% | 18.39% | 13.06% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.18% | 0.20% | 0.18% | 0.18% | 0.00% | 0.00% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.03% | 1.02% | 1.03% | 1.02% | 1.00% | 0.95% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 5.7x | 5.2x | 5.6x | 5.7x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.71% | 9.04% | 9.02% | 9.01% | 9.02% | 9.04% | 9.16% | +15 bps | |
| Total Risk-Based Capital | 10.75% | 10.59% | 10.61% | 10.53% | 10.76% | 10.89% | 10.88% | 10.87% | +34 bps | |
| Equity / Assets | 8.18% | 8.11% | 8.37% | 8.30% | 8.39% | 8.22% | 8.33% | 8.68% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.12% | 109.59% | 108.83% | 113.15% | 109.94% | 101.78% | 103.42% | 108.36% | -479 bps | |
| Liquid Assets / Assets | 8.62% | 7.43% | 6.47% | 6.16% | 7.18% | 9.86% | 9.72% | 6.48% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |