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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | 2.60% | 0.10% | 2.41% | 0.68% | 0.17% | 1.18% | 1.63% | -78 bps | |
| Return on Equity | -8.26% | 66.63% | 2.37% | 50.55% | 12.83% | 3.03% | 20.40% | 26.16% | -2,439 bps | |
| Net Interest Margin | 3.48% | 3.75% | 3.44% | 3.48% | 3.55% | 3.38% | 3.43% | 3.30% | -18 bps | |
| Efficiency Ratio | 103.96% | 75.87% | 95.14% | 101.91% | 98.91% | 93.50% | 105.69% | 93.29% | -862 bps | |
| Non-Interest Burden | 3.67% | 2.78% | 3.32% | 3.60% | 3.57% | 3.21% | 3.69% | 3.12% | -48 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 | 0.63% | 1.75% | -0.20% | 0.39% | 0.39% | -0.37% | 0.60% | -0.50% | -89 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 |