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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.21% | -0.37% | -0.29% | -0.31% | -0.38% | -0.42% | -0.41% | -13 bps | |
| Return on Equity | -1.83% | -1.43% | -2.47% | -1.91% | -2.03% | -2.54% | -2.76% | -2.69% | -78 bps | |
| Net Interest Margin | 2.43% | 2.43% | 2.65% | 2.59% | 2.59% | 2.57% | 2.39% | 2.36% | -23 bps | |
| Efficiency Ratio | 101.56% | 101.48% | 100.40% | 103.92% | 106.82% | 110.99% | 117.29% | 116.82% | +1,291 bps | |
| Non-Interest Burden | 2.47% | 2.47% | 2.66% | 2.70% | 2.78% | 2.86% | 2.82% | 2.78% | +8 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 | 1.20% | 0.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.09% | +9 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 |