Chicago, IL · Cert 28068
FDIC · 9 branches
Q4 2021
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.1% share · #70 of 168 inst. · $0.5B of $568.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | 1.16% | 0.77% | 1.12% | 1.34% | 1.10% | 1.30% | 1.26% | +14 bps | |
| Return on Equity | -3.25% | 10.15% | 7.55% | 11.61% | 13.67% | 11.07% | 13.04% | 12.51% | +91 bps | |
| Net Interest Margin | 3.49% | 3.47% | 3.25% | 3.34% | 3.31% | 3.43% | 3.69% | 3.49% | +16 bps | |
| Efficiency Ratio | 68.74% | 63.03% | 57.86% | 50.39% | 56.89% | 56.61% | 53.70% | 52.87% | +248 bps | |
| Non-Interest Burden | 2.35% | 2.15% | 1.84% | 1.64% | 1.85% | 1.90% | 1.93% | 1.80% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | 7.16% | 29.76% | 27.59% | 33.27% | 23.46% | 8.38% | 5.80% | -2,179 bps | |
| Loan Growth (YoY) | -7.06% | 11.77% | 42.97% | 41.53% | 46.71% | 28.99% | 7.90% | 5.89% | -3,564 bps | |
| Deposit Growth (YoY) | -3.46% | 6.80% | 32.42% | 29.43% | 36.44% | 25.02% | 7.88% | 6.13% | -2,330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.56% | 0.46% | 0.46% | 0.50% | 0.38% | 0.33% | 0.36% | -10 bps | |
| Net Charge-Offs / Loans | 0.82% | 0.58% | 0.06% | 0.02% | -0.37% | 0.10% | -0.06% | -0.05% | -8 bps | |
| Allowance / Loans | 1.06% | 0.88% | 0.82% | 0.83% | 0.84% | 0.83% | 0.81% | 0.80% | -3 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.6x | 1.8x | 1.8x | 1.7x | 2.2x | 2.5x | 2.2x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 9.94% | 8.66% | 8.80% | 9.08% | 9.27% | 9.14% | 9.29% | +50 bps | |
| Total Risk-Based Capital | 15.76% | 15.50% | 13.98% | 13.99% | 14.26% | 14.03% | 13.95% | 14.39% | +40 bps | |
| Equity / Assets | 11.88% | 11.07% | 9.56% | 9.75% | 9.90% | 9.99% | 9.89% | 10.28% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.05% | 95.13% | 95.24% | 95.30% | 94.68% | 98.15% | 95.26% | 95.09% | -22 bps | |
| Liquid Assets / Assets | 4.08% | 2.56% | 3.38% | 3.69% | 4.51% | 1.74% | 4.65% | 4.46% | +77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |