Chicago, IL · Cert 28611
FDIC · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65 to 66). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
100
Profitability
21
Liquidity
29
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chicago, IL · Cert 28611
FDIC · 1 branch
Q3 2024
Market Position · Chicago-Naperville-Elgin, IL-IN · 2024 SOD (annual) · 0.0% share · #140 of 157 inst. · $0.0B of $586.9B
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | -0.06% | 0.12% | 0.07% | 0.53% | -0.27% | -0.85% | -0.59% | -66 bps | |
| Return on Equity | 16.79% | -0.62% | 1.18% | 0.71% | 5.24% | -2.60% | -8.14% | -5.67% | -638 bps | |
| Net Interest Margin | 3.05% | 2.97% | 3.10% | 2.82% | 3.11% | 3.17% | 2.71% | 3.21% | +40 bps | |
| Efficiency Ratio | 65.92% | 102.04% | 96.25% | 97.50% | 85.90% | 107.42% | 128.30% | 117.43% | +1,993 bps | |
| Non-Interest Burden | 1.35% | 3.03% | 2.98% | 2.74% | 2.54% | 3.45% | 3.56% | 3.81% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.50% | 1.95% | -7.51% | -6.67% | -6.60% | -2.23% | -0.73% | -0.37% | +631 bps | |
| Loan Growth (YoY) | 2.09% | -1.13% | -3.18% | -2.62% | -3.65% | -0.64% | -4.41% | -2.47% | +15 bps | |
| Deposit Growth (YoY) | -0.59% | -4.97% | -2.55% | -2.10% | -2.57% | 2.45% | 3.56% | 0.78% | +287 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.51% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.29% | 1.01% | 0.99% | 1.00% | 1.03% | 1.01% | 1.04% | 1.03% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.0x | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.19% | 9.61% | 9.91% | 10.00% | 10.56% | 10.45% | 10.16% | 10.33% | +33 bps | |
| Total Risk-Based Capital | 23.53% | 23.08% | 23.08% | 23.74% | 22.40% | 24.29% | 21.71% | 21.25% | -249 bps | |
| Equity / Assets | 10.03% | 9.63% | 10.18% | 10.07% | 10.67% | 10.32% | 10.32% | 10.16% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.22% | 101.99% | 103.47% | 101.61% | 100.09% | 98.91% | 95.50% | 98.33% | -327 bps | |
| Liquid Assets / Assets | 6.06% | 7.75% | 4.34% | 3.81% | 7.52% | 7.08% | 5.52% | 5.12% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Chicago, IL · Cert 28611 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65-66)
FDIC · 1 branch
Q3 2024
Return on Assets
-0.59%
Rank 62 of 66
Net Interest Margin
3.21%
Rank 33 of 66
Efficiency Ratio
117.43%
Rank 61 of 66
Equity / Assets
10.16%
Rank 42 of 66
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.59% | 0.19% | 0.69% | 0.95% | Beats 6% | 62 / 66 | ||
| Return on Equity | -5.78% | 1.41% | 5.65% | 9.08% | Beats 6% | 62 / 66 | ||
| Net Interest Margin | 3.21% | 2.49% | 3.21% | 3.81% | Beats 50% | 33 / 66 | ||
| Efficiency Ratio | 117.43% | 61.20% | 76.34% | 90.22% | Beats 9% | 61 / 66 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.49% | 1.34% | Beats 100% | 11 / 65 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 25 / 65 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.00% | 12.79% | 16.04% | 19.61% | Beats 79% | 14 / 66 | ||
| Total Risk-Based Capital Ratio | 21.25% | 13.16% | 16.56% | 20.61% | Beats 82% | 12 / 66 | ||
| Equity / Assets | 10.16% | 8.65% | 11.46% | 14.47% | Beats 36% | 42 / 66 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.33% | 67.54% | 83.81% | 94.78% | 79th pctl | 14 / 66 | ||
| Loans / Assets | 84.96% | 55.27% | 68.76% | 79.43% | 91st pctl | 6 / 65 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||