Sycamore, IL · Cert 21272
FDIC · 7 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Sycamore, IL · Cert 21272
FDIC · 7 branches
Q1 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.1% share · #69 of 218 inst. · $0.4B of $384.6B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.67% | 0.77% | 0.70% | 0.74% | 0.59% | 0.18% | -1.30% | -200 bps | |
| Return on Equity | 5.81% | 5.69% | 6.51% | 6.07% | 6.59% | 5.29% | 1.61% | -10.82% | -1,689 bps | |
| Net Interest Margin | 3.71% | 3.77% | 3.75% | 3.62% | 3.53% | 3.49% | 0.65% | 3.32% | -30 bps | |
| Efficiency Ratio | 77.10% | 76.90% | 76.72% | 76.82% | 75.71% | 76.60% | 69.78% | 108.43% | +3,161 bps | |
| Non-Interest Burden | 2.80% | 2.81% | 2.74% | 2.51% | 2.37% | 2.37% | 0.38% | 3.62% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 2.53% | 3.03% | 5.57% | 7.48% | 6.12% | 7.54% | 1.73% | -384 bps | |
| Loan Growth (YoY) | 1.65% | 4.60% | 4.24% | 5.48% | 2.33% | -2.82% | -5.30% | -6.87% | -1,235 bps | |
| Deposit Growth (YoY) | -1.98% | 1.97% | 3.40% | 7.00% | 8.80% | 7.70% | 8.12% | 0.39% | -661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.55% | 0.48% | 0.36% | 0.22% | 0.13% | 0.45% | 0.00% | 0.03% | -19 bps | |
| Allowance / Loans | 1.33% | 1.23% | 1.07% | 1.01% | 1.01% | 1.03% | 0.11% | 0.45% | -57 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.76% | 10.25% | 10.39% | 9.71% | 9.31% | -145 bps | |
| Total Risk-Based Capital | 15.29% | 15.35% | 15.76% | 15.70% | 15.53% | 15.79% | 15.31% | 14.40% | -130 bps | |
| Equity / Assets | 11.79% | 11.92% | 11.95% | 11.13% | 10.72% | 10.95% | 12.07% | 11.96% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.70% | 87.45% | 85.11% | 81.24% | 79.66% | 78.91% | 74.55% | 75.37% | -587 bps | |
| Liquid Assets / Assets | 1.44% | 1.67% | 4.39% | 8.13% | 9.09% | 4.49% | 11.18% | 11.37% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |