Schaumburg, IL · Cert 27006
FDIC · 16 branches
Q2 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.6% share · #19 of 208 inst. · $2.4B of $391.1B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.75% | 1.08% | 1.18% | 1.27% | 1.25% | 1.15% | 1.14% | -4 bps | |
| Return on Equity | 8.24% | 9.06% | 13.15% | 14.27% | 15.24% | 15.06% | 13.51% | 13.15% | -112 bps | |
| Net Interest Margin | 3.37% | 3.28% | 3.39% | 3.28% | 3.28% | 3.36% | 3.49% | 3.48% | +20 bps | |
| Efficiency Ratio | 61.49% | 59.50% | 52.29% | 51.58% | 50.83% | 51.12% | 49.67% | 49.68% | -190 bps | |
| Non-Interest Burden | 1.89% | 1.75% | 1.43% | 1.34% | 1.31% | 1.36% | 1.40% | 1.39% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 6.95% | 9.01% | 9.16% | 9.86% | 8.02% | 2.98% | -0.66% | -982 bps | |
| Loan Growth (YoY) | 5.75% | 7.98% | 8.18% | 8.43% | 9.14% | 7.14% | 6.24% | 1.59% | -684 bps | |
| Deposit Growth (YoY) | 2.33% | 3.57% | -0.04% | 3.78% | 5.16% | 5.74% | 10.77% | 6.32% | +254 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 | 0.60% | 0.51% | 0.00% | -0.02% | 0.00% | 0.10% | 0.37% | 0.35% | +37 bps | |
| Allowance / Loans | 1.52% | 1.49% | 1.58% | 1.51% | 1.42% | 1.30% | 1.28% | 1.29% | -22 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 | 8.41% | 8.42% | 8.52% | 8.52% | 8.81% | 9.15% | +73 bps | |
| Total Risk-Based Capital | 12.41% | 12.36% | 12.28% | 12.40% | 12.60% | 12.16% | 12.54% | 12.95% | +55 bps | |
| Equity / Assets | 8.29% | 8.28% | 8.20% | 8.29% | 8.58% | 8.29% | 8.68% | 9.09% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.07% | 85.99% | 88.15% | 89.23% | 89.32% | 87.12% | 84.55% | 85.26% | -397 bps | |
| Liquid Assets / Assets | 13.52% | 13.58% | 15.81% | 13.38% | 12.76% | 12.76% | 12.40% | 11.90% | -149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |