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 (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 | -0.49% | -0.06% | 0.30% | -0.02% | 1.94% | -0.27% | -1.42% | -0.07% | -4 bps | |
| Return on Equity | -4.90% | -0.62% | 3.05% | -0.24% | 18.74% | -2.60% | -13.75% | -0.64% | -40 bps | |
| Net Interest Margin | 2.87% | 2.97% | 3.17% | 2.18% | 3.91% | 3.17% | 2.23% | 4.12% | +194 bps | |
| Efficiency Ratio | 116.54% | 102.04% | 90.71% | 101.08% | 72.48% | 107.42% | 161.97% | 101.57% | +50 bps | |
| Non-Interest Burden | 3.37% | 3.03% | 2.87% | 2.21% | 1.85% | 3.45% | 3.65% | 4.19% | +198 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 |