Homewood, IL · Cert 30568
FDIC · 1 branch
Q2 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #197 of 218 inst. · $0.0B 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 | -0.13% | -0.03% | -0.37% | -0.20% | -0.34% | -0.63% | -0.42% | -0.41% | -20 bps | |
| Return on Equity | -0.89% | -0.22% | -2.47% | -1.35% | -2.26% | -4.11% | -2.76% | -2.63% | -127 bps | |
| Net Interest Margin | 2.38% | 2.47% | 2.65% | 2.55% | 2.54% | 2.40% | 2.39% | 2.32% | -23 bps | |
| Efficiency Ratio | 105.04% | 101.26% | 100.40% | 107.63% | 112.82% | 124.77% | 117.29% | 116.35% | +872 bps | |
| Non-Interest Burden | 2.51% | 2.51% | 2.66% | 2.76% | 2.88% | 3.02% | 2.82% | 2.72% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 0.28% | -2.65% | -3.59% | -5.70% | -5.74% | -4.41% | -5.34% | -175 bps | |
| Loan Growth (YoY) | -14.09% | -10.71% | -7.83% | -8.18% | -5.45% | -9.47% | -12.05% | -16.11% | -793 bps | |
| Deposit Growth (YoY) | 2.13% | 0.51% | -3.02% | -4.09% | -6.52% | -6.43% | -4.43% | -5.47% | -137 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0 bps | |
| Allowance / Loans | 0.72% | 0.73% | 0.74% | 0.75% | 0.76% | 0.81% | 0.80% | 0.85% | +10 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 | 15.20% | 15.20% | n/a | |
| Total Risk-Based Capital | 44.41% | 45.13% | 45.82% | 46.30% | 46.57% | 47.22% | 47.83% | 49.27% | +297 bps | |
| Equity / Assets | 14.58% | 14.75% | 15.07% | 15.18% | 15.22% | 15.25% | 15.36% | 15.58% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.55% | 44.25% | 45.43% | 45.24% | 45.05% | 42.81% | 41.81% | 40.14% | -509 bps | |
| Liquid Assets / Assets | 59.42% | 59.74% | 58.61% | 59.01% | 59.24% | 61.07% | 61.91% | 63.88% | +487 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |