Worth, IL · Cert 27993
FDIC · 3 branches
Q1 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.1% share · #104 of 208 inst. · $0.2B of $391.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.32% | -0.42% | -0.38% | -0.33% | -0.45% | 0.62% | -3.14% | -276 bps | |
| Return on Equity | -0.69% | -2.38% | -3.14% | -2.86% | -2.51% | -3.40% | 4.72% | -24.35% | -2,149 bps | |
| Net Interest Margin | 1.52% | 1.59% | 1.61% | 1.57% | 1.58% | 1.68% | 1.67% | 1.86% | +29 bps | |
| Efficiency Ratio | 119.16% | 122.88% | 125.29% | 128.99% | 124.90% | 124.95% | 74.83% | 250% | +12,129 bps | |
| Non-Interest Burden | 1.83% | 1.97% | 2.04% | 2.06% | 2.00% | 2.12% | 0.88% | 4.99% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.23% | -3.20% | -2.31% | -1.90% | -1.44% | -0.90% | -0.84% | -2.20% | -30 bps | |
| Loan Growth (YoY) | -13.92% | -9.03% | -5.69% | -2.61% | 8.42% | 17.68% | 23.34% | 29.04% | +3,165 bps | |
| Deposit Growth (YoY) | -4.59% | -3.43% | -2.24% | -1.85% | -1.36% | -0.56% | -0.77% | -2.12% | -27 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.94% | +294 bps | |
| Net Charge-Offs / Loans | 0.39% | -2.28% | 0.03% | 0.02% | 0.09% | -0.06% | 0.10% | -0.26% | -27 bps | |
| Allowance / Loans | 1.62% | 2.19% | 2.16% | 2.15% | 1.99% | 1.84% | 1.90% | 1.88% | -28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.6x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.24% | 13.30% | 13.22% | 13.16% | 13.06% | 13.09% | 13.23% | 12.53% | -64 bps | |
| Total Risk-Based Capital | 46.16% | 46.68% | 44.67% | 44.87% | 44.21% | 42.16% | 44.04% | 40.88% | -398 bps | |
| Equity / Assets | 13.27% | 13.43% | 13.21% | 13.23% | 13.15% | 13.16% | 13.15% | 12.61% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.78% | 21.28% | 21.32% | 21.45% | 22.84% | 25.18% | 26.50% | 28.28% | +683 bps | |
| Liquid Assets / Assets | 62.63% | 64.70% | 62.22% | 64.32% | 62.63% | 61.23% | 59.88% | 59.32% | -500 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |