Arlington Heights, IL · Cert 28384
FDIC · 2 branches
Q1 2020
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #140 of 180 inst. · $0.1B of $415.7B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -0.23% | -0.22% | -0.35% | -0.66% | -0.77% | -0.94% | -0.93% | -58 bps | |
| Return on Equity | -3.41% | -2.45% | -2.25% | -3.20% | -6.21% | -7.39% | -9.12% | -9.41% | -621 bps | |
| Net Interest Margin | 3.63% | 3.67% | 3.82% | 3.68% | 3.48% | 3.33% | 3.26% | 3.08% | -60 bps | |
| Efficiency Ratio | 111.39% | 109.34% | 108.74% | 109.37% | 123.21% | 125.18% | 131.58% | 125.39% | +1,602 bps | |
| Non-Interest Burden | 4.04% | 4.02% | 4.16% | 4.03% | 4.31% | 4.20% | 4.33% | 3.90% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | -6.50% | -6.81% | -8.23% | 0.43% | 6.04% | 2.78% | -0.19% | +804 bps | |
| Loan Growth (YoY) | 2.45% | -2.21% | -0.59% | -6.14% | -1.97% | -0.86% | -3.43% | -1.45% | +469 bps | |
| Deposit Growth (YoY) | 1.62% | -11.30% | -15.14% | -14.31% | -4.11% | 2.77% | 6.01% | 4.38% | +1,870 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.04% | 0.03% | 0.03% | 0.02% | 0.02% | 0.52% | +49 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.03% | -0.24% | -0.16% | -0.13% | -0.01% | +2 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.15% | 1.19% | 1.18% | 1.18% | 1.14% | 1.19% | 0 bps | |
| Allowance Coverage of NPLs | 24.7x | 26.9x | 31.1x | 36.5x | 44.0x | 58.7x | 75.5x | 2.3x | -34.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.65% | 10.81% | 11.17% | 11.10% | 10.46% | 9.93% | 9.54% | 9.68% | -142 bps | |
| Total Risk-Based Capital | 16.73% | 16.86% | 16.76% | 16.81% | 16.10% | 15.60% | 15.74% | 15.72% | -109 bps | |
| Equity / Assets | 10.57% | 10.90% | 10.90% | 10.98% | 10.26% | 9.80% | 9.76% | 9.95% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.53% | 95.36% | 98.94% | 99.35% | 94.60% | 91.99% | 90.12% | 93.80% | -555 bps | |
| Liquid Assets / Assets | 8.79% | 8.00% | 8.31% | 9.77% | 10.81% | 9.40% | 12.52% | 10.61% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |