Downers Grove, IL · Cert 28299
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Downers Grove, IL · Cert 28299
FDIC · 2 branches
Q2 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #162 of 218 inst. · $0.1B of $384.6B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | -0.11% | 0.10% | 1.24% | 1.06% | 0.84% | 1.18% | 1.40% | +15 bps | |
| Return on Equity | -26.66% | -3.08% | 2.37% | 27.02% | 22.07% | 17.02% | 20.40% | 23.36% | -367 bps | |
| Net Interest Margin | 3.78% | 3.91% | 3.44% | 3.53% | 3.58% | 3.57% | 3.43% | 3.39% | -14 bps | |
| Efficiency Ratio | 92.05% | 87.96% | 95.14% | 98.39% | 98.56% | 97.36% | 105.69% | 99.52% | +114 bps | |
| Non-Interest Burden | 3.52% | 3.46% | 3.32% | 3.53% | 3.59% | 3.53% | 3.69% | 3.44% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.08% | -14.54% | -15.43% | -14.49% | -8.32% | -6.91% | -6.80% | -5.76% | +873 bps | |
| Loan Growth (YoY) | -16.36% | -16.12% | -15.05% | -13.57% | -12.28% | -10.38% | -11.69% | -13.21% | +36 bps | |
| Deposit Growth (YoY) | -15.49% | -12.72% | -14.11% | -13.88% | -10.10% | -8.09% | -8.26% | -6.99% | +689 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 | 1.51% | 1.63% | -0.20% | 0.09% | 0.19% | 0.06% | 0.60% | 0.06% | -3 bps | |
| Allowance / Loans | 4.83% | 4.15% | 4.32% | 3.54% | 3.34% | 3.53% | 3.07% | 2.84% | -70 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 | n/a | n/a | n/a | n/a | 5.85% | 6.36% | n/a | |
| Total Risk-Based Capital | 5.81% | 6.99% | 7.16% | 8.10% | 8.57% | 9.04% | 10.03% | 10.82% | +272 bps | |
| Equity / Assets | 3.55% | 4.26% | 4.45% | 5.10% | 5.43% | 5.48% | 6.05% | 6.41% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.41% | 86.54% | 87.57% | 86.74% | 87.24% | 84.38% | 84.30% | 80.94% | -580 bps | |
| Liquid Assets / Assets | 9.70% | 12.60% | 11.25% | 8.90% | 5.47% | 8.19% | 8.57% | 11.66% | +276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |