Midlothian, IL · Cert 27831
FDIC · 3 branches
Q4 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.0% share · #117 of 189 inst. · $0.2B of $398.0B
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.20% | 0.22% | 0.01%1 | 0.34% | 0.36% | 0.38% | 0.42% | +41 bps | |
| Return on Equity | 0.92% | 1.40% | 1.49% | 0.04% | 2.23% | 2.35% | 2.50% | 2.79% | +274 bps | |
| Net Interest Margin | 2.21% | 2.23% | 2.31% | 2.30% | 2.32% | 2.38% | 2.38% | 2.48% | +17 bps | |
| Efficiency Ratio | 82.94% | 83.40% | 86.96% | 86.42% | 83.97% | 83.64% | 82.76% | 82.08% | -434 bps | |
| Non-Interest Burden | 1.77% | 1.80% | 1.96% | 1.94% | 1.90% | 1.94% | 1.92% | 1.98% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.37% | -1.57% | -2.39% | -4.42% | -4.86% | -3.79% | -8.32% | -5.78% | -136 bps | |
| Loan Growth (YoY) | -2.56% | -1.54% | -5.39% | -7.88% | -8.58% | -9.21% | -8.70% | -11.79% | -391 bps | |
| Deposit Growth (YoY) | 0.82% | -0.30% | -3.35% | -5.35% | -5.00% | -3.58% | -7.32% | -5.12% | +23 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 1.40% | 1.16% | 1.11% | 1.29% | 1.30% | 1.14% | 1.18% | +7 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.21% | 0.28% | 0.21% | -0.06% | -0.04% | -0.02% | -0.02% | -23 bps | |
| Allowance / Loans | 0.75% | 0.77% | 0.75% | 0.74% | 0.76% | 0.76% | 0.74% | 0.70% | -4 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.6x | 0.7x | 0.6x | 0.6x | 0.7x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.88% | 14.01% | 14.44% | 14.54% | 14.75% | 15.14% | 13.96% | 14.81% | +27 bps | |
| Total Risk-Based Capital | 35.23% | 36.22% | 36.74% | 37.72% | 38.24% | 37.00% | 31.90% | 34.32% | -340 bps | |
| Equity / Assets | 14.35% | 14.81% | 14.88% | 15.20% | 15.02% | 15.26% | 14.68% | 15.05% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.11% | 65.91% | 64.02% | 65.60% | 62.66% | 62.06% | 63.06% | 60.99% | -462 bps | |
| Liquid Assets / Assets | 16.13% | 15.16% | 17.39% | 16.96% | 17.16% | 15.57% | 10.82% | 13.58% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |