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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.43% | 0.40% | 0.64% | 0.66% | 0.60% | -1.84% | -0.48% | -113 bps | |
| Return on Equity | 4.68% | 4.64% | 4.51% | 7.38% | 7.68% | 6.84% | -16.74% | -4.11% | -1,149 bps | |
| Net Interest Margin | 2.53% | 2.47% | 2.49% | 2.75% | 2.68% | 2.66% | 1.04% | 1.95% | -80 bps | |
| Efficiency Ratio | 79.61% | 80.12% | 86.32% | 74.79% | 73.28% | 75.70% | 365% | 136.06% | +6,127 bps | |
| Non-Interest Burden | 1.93% | 1.91% | 2.13% | 1.99% | 1.87% | 1.93% | 4.03% | 2.82% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.88% | 4.52% | 2.26% | 0.81% | -1.03% | -0.58% | 2.04% | 1.00% | +18 bps | |
| Loan Growth (YoY) | 1.37% | -0.85% | -1.46% | -3.46% | -5.48% | -5.44% | -7.73% | -11.73% | -828 bps | |
| Deposit Growth (YoY) | 5.06% | 4.79% | 3.09% | 1.92% | -0.14% | -0.47% | -3.95% | -5.34% | -725 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.31% | 1.68% | 1.59% | 0.93% | 0.26% | 0.21% | 1.46% | 1.48% | +55 bps | |
| Net Charge-Offs / Loans | -0.33% | -0.25% | 0.51% | 0.25% | 0.24% | 0.24% | -0.01% | -0.01% | -26 bps | |
| Allowance / Loans | 1.61% | 1.66% | 1.56% | 1.55% | 1.52% | 1.51% | 0.00% | 0.00% | -155 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 1.0x | 1.7x | 5.9x | 7.2x | 0.0x | 0.0x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.08% | 9.42% | 9.61% | 9.61% | 9.64% | 9.25% | 9.34% | -27 bps | |
| Total Risk-Based Capital | 22.06% | 22.91% | 23.24% | 26.50% | 27.24% | 27.85% | 27.82% | 29.47% | +297 bps | |
| Equity / Assets | 9.19% | 9.02% | 8.63% | 8.47% | 8.44% | 9.00% | 13.02% | 13.26% | +479 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.25% | 28.94% | 28.81% | 28.22% | 27.68% | 27.49% | 27.67% | 26.31% | -191 bps | |
| Liquid Assets / Assets | 6.95% | 7.08% | 6.61% | 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 | n/a | n/a | n/a |