Countryside, IL · Cert 21952
FDIC · 6 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Countryside, IL · Cert 21952
FDIC · 6 branches
Q3 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.1% share · #61 of 180 inst. · $0.5B 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 1.54% | 1.74% | 1.75% | 1.79% | 1.85% | 1.92% | 2.01% | +26 bps | |
| Return on Equity | 18.52% | 14.47% | 16.37% | 16.41% | 16.61% | 16.53% | 16.92% | 17.59% | +118 bps | |
| Net Interest Margin | 4.54% | 4.43% | 4.40% | 4.48% | 4.51% | 4.75% | 4.74% | 4.74% | +26 bps | |
| Efficiency Ratio | 63.04% | 67.63% | 66.06% | 66.40% | 65.39% | 62.49% | 62.15% | 61.43% | -498 bps | |
| Non-Interest Burden | 2.64% | 2.78% | 2.63% | 2.72% | 2.72% | 2.80% | 2.73% | 2.64% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | 1.52% | -0.58% | 0.28% | 2.85% | 5.37% | 5.22% | 5.20% | +492 bps | |
| Loan Growth (YoY) | -1.64% | 0.70% | -4.30% | -2.18% | 12.43% | 14.06% | 22.48% | 20.87% | +2,305 bps | |
| Deposit Growth (YoY) | -1.96% | 2.72% | 0.21% | 0.20% | 2.28% | 2.58% | 4.23% | 4.12% | +391 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.90% | 0.89% | 1.46% | 0.79% | 0.69% | 0.47% | 0.65% | -81 bps | |
| Net Charge-Offs / Loans | 0.18% | -0.02% | 0.20% | 0.08% | 0.12% | 0.03% | 0.02% | 0.02% | -6 bps | |
| Allowance / Loans | 1.89% | 1.89% | 1.84% | 1.74% | 1.54% | 1.51% | 1.50% | 1.46% | -28 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.1x | 2.1x | 1.2x | 2.0x | 2.2x | 3.2x | 2.2x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.64% | 10.75% | 11.14% | 11.26% | 11.21% | 11.26% | 11.38% | +24 bps | |
| Total Risk-Based Capital | 13.73% | 13.64% | 14.19% | 13.96% | 13.66% | 13.67% | 13.90% | 13.13% | -83 bps | |
| Equity / Assets | 10.78% | 10.45% | 10.72% | 10.72% | 11.17% | 11.19% | 11.64% | 11.77% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.78% | 73.22% | 70.86% | 74.31% | 81.10% | 81.41% | 83.27% | 86.27% | +1,196 bps | |
| Liquid Assets / Assets | 6.87% | 6.70% | 8.06% | 6.67% | 1.33% | 3.74% | 2.46% | 3.37% | -330 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |