Harvard, IL · Cert 28938
FDIC · 3 branches
Q2 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #143 of 208 inst. · $0.1B of $391.1B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.67% | -6.15% | 0.45% | 1.91% | 1.78% | 0.81% | 0.96% | 0.82% | -108 bps | |
| Return on Equity | -35.10% | -62.62% | 6.15% | 24.47% | 21.52% | 9.59% | 10.21% | 8.56% | -1,591 bps | |
| Net Interest Margin | 3.10% | 2.95% | 2.97% | 3.03% | 3.16% | 3.21% | 3.06% | 3.12% | +9 bps | |
| Efficiency Ratio | 68.09% | 79.03% | 87.94% | 92.61% | 90.80% | 92.12% | 82.78% | 85.92% | -670 bps | |
| Non-Interest Burden | 1.99% | 2.27% | 2.56% | 2.78% | 2.83% | 2.92% | 2.49% | 2.65% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.57% | -3.10% | -3.49% | -8.46% | -15.59% | -13.04% | -12.02% | -9.38% | -92 bps | |
| Loan Growth (YoY) | 18.05% | 2.20% | 4.21% | -5.45% | -28.01% | -15.29% | -16.23% | -10.91% | -546 bps | |
| Deposit Growth (YoY) | 1.11% | 4.39% | 1.64% | -0.11% | -7.68% | -14.27% | -11.69% | -11.58% | -1,147 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 | 0.23% | 3.56% | 0.47% | 3.79% | 6.04% | 5.32% | 0.51% | 0.26% | -353 bps | |
| Allowance / Loans | 7.52% | 6.64% | 6.52% | 4.02% | 1.75% | 1.70% | 1.47% | 1.35% | -266 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 | 7.47% | 8.51% | 9.41% | 9.31% | 9.51% | 9.82% | +131 bps | |
| Total Risk-Based Capital | 8.41% | 10.15% | 10.85% | 12.09% | 13.77% | 12.78% | 13.17% | 13.29% | +120 bps | |
| Equity / Assets | 8.29% | 7.24% | 7.52% | 8.64% | 9.87% | 9.28% | 9.62% | 9.85% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.66% | 86.31% | 88.29% | 85.20% | 81.62% | 85.29% | 83.76% | 85.84% | +64 bps | |
| Liquid Assets / Assets | 7.56% | 14.03% | 14.01% | 12.91% | 11.98% | 11.74% | 12.09% | 12.06% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |