McHenry, IL · Cert 20081
FDIC · 3 branches
Q2 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #111 of 180 inst. · $0.2B of $415.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.71% | 0.39% | -1.84% | 0.86% | -3 bps | |
| Return on Equity | 10.40% | 8.34% | 4.48% | -16.74% | 6.56% | -384 bps | |
| Net Interest Margin | 3.00% | 2.60% | 2.59% | 1.04% | 2.88% | -12 bps | |
| Efficiency Ratio | 65.79% | 70.35% | 83.39% | 365% | 56.85% | -894 bps | |
| Non-Interest Burden | 1.84% | 1.69% | 2.12% | 4.03% | 1.68% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.81% | -1.03% | -0.58% | 2.04% | 1.00% | +18 bps | |
| Loan Growth (YoY) | -3.46% | -5.48% | -5.44% | -7.73% | -11.73% | -828 bps | |
| Deposit Growth (YoY) | 1.92% | -0.14% | -0.47% | -3.95% | -5.34% | -725 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.21% | 1.46% | 1.48% | +55 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.22% | 0.21% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.55% | 1.52% | 1.51% | 0.00% | 0.00% | -155 bps | |
| Allowance Coverage of NPLs | 1.7x | 5.9x | 7.2x | 0.0x | 0.0x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.61% | 9.61% | 9.64% | 9.25% | 9.34% | -27 bps | |
| Total Risk-Based Capital | 26.50% | 27.24% | 27.85% | 27.82% | 29.47% | +297 bps | |
| Equity / Assets | 8.47% | 8.44% | 9.00% | 13.02% | 13.26% | +479 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.22% | 27.68% | 27.49% | 27.67% | 26.31% | -191 bps | |
| Liquid Assets / Assets | 5.77% | 6.17% | 9.92% | 32.00% | 39.37% | +3,360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |