Cicero, IL · Cert 28151
FDIC · 1 branch
Q3 2024
Market Position · Chicago-Naperville-Elgin, IL-IN · 2024 SOD (annual) · 0.1% share · #75 of 157 inst. · $0.4B of $586.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.40% | 1.71% | 3.60% | 2.20% | 2.21% | 0.79% | 0.60% | 1.28% | -92 bps | |
| Return on Equity | 31.41% | 15.29% | 31.39% | 18.84% | 19.26% | 6.77% | 5.11% | 11.01% | -783 bps | |
| Net Interest Margin | 5.48% | 5.03% | 4.81% | 4.76% | 4.62% | 4.34% | 4.48% | 4.41% | -35 bps | |
| Efficiency Ratio | 61.83% | 58.74% | 48.06% | 55.68% | 48.75% | 70.62% | 61.31% | 77.24% | +2,156 bps | |
| Non-Interest Burden | 2.03% | 2.11% | -0.21% | 1.75% | 1.54% | 2.90% | 2.24% | 3.15% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.90% | 9.46% | 12.67% | 16.37% | 24.21% | 11.87% | 16.66% | 14.10% | -227 bps | |
| Loan Growth (YoY) | 16.54% | 14.42% | 10.14% | 18.80% | 19.43% | 13.05% | 22.70% | 10.34% | -846 bps | |
| Deposit Growth (YoY) | -10.18% | 9.04% | 13.67% | 21.37% | 38.95% | 11.88% | 5.71% | 14.48% | -689 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 1.25% | 1.69% | 3.69% | 4.07% | 4.38% | 3.93% | 4.15% | +46 bps | |
| Net Charge-Offs / Loans | -0.18% | 0.42% | 0.09% | -0.04% | -0.31% | 0.02% | 0.95% | 0.05% | +10 bps | |
| Allowance / Loans | 2.00% | 1.68% | 1.70% | 1.59% | 1.73% | 1.80% | 1.80% | 1.80% | +21 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.3x | 1.0x | 0.4x | 0.4x | 0.4x | 0.5x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.58% | 11.50% | 11.90% | 11.98% | 12.01% | 11.90% | 12.11% | 11.48% | -49 bps | |
| Total Risk-Based Capital | 13.73% | 14.21% | 14.60% | 14.54% | 15.37% | 15.34% | 14.79% | 15.41% | +87 bps | |
| Equity / Assets | 11.15% | 11.26% | 11.68% | 11.67% | 11.27% | 12.14% | 11.36% | 11.93% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.74% | 99.70% | 93.77% | 97.02% | 90.88% | 100.74% | 108.84% | 93.51% | -351 bps | |
| Liquid Assets / Assets | 6.80% | 5.27% | 9.12% | 6.33% | 12.00% | 5.61% | 6.43% | 13.78% | +745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |