McHenry, IL · Cert 30864
FDIC · 3 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 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=68 to 69). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
50
Profitability
50
Liquidity
42
Efficiency
62
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.
McHenry, IL · Cert 30864
FDIC · 3 branches
Q2 2024
Market Position · Chicago-Naperville-Elgin, IL-IN · 2024 SOD (annual) · 0.0% share · #97 of 157 inst. · $0.2B 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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.61% | 0.69% | 0.60% | 0.55% | 0.62% | 0.87% | 0.74% | +14 bps | |
| Return on Equity | 7.06% | 7.62% | 8.94% | 7.75% | 7.02% | 7.87% | 10.08% | 8.57% | +83 bps | |
| Net Interest Margin | 2.66% | 2.68% | 2.73% | 2.67% | 2.64% | 2.65% | 2.68% | 2.62% | -5 bps | |
| Efficiency Ratio | 75.26% | 75.94% | 70.84% | 72.70% | 75.56% | 74.54% | 67.79% | 70.90% | -180 bps | |
| Non-Interest Burden | 1.91% | 1.95% | 1.86% | 1.83% | 1.91% | 1.86% | 1.62% | 1.70% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.95% | 17.25% | 6.28% | 2.70% | 2.76% | -4.96% | 0.53% | 0.54% | -217 bps | |
| Loan Growth (YoY) | 19.40% | 23.48% | 8.74% | 2.02% | 2.90% | 0.75% | 7.15% | 4.17% | +215 bps | |
| Deposit Growth (YoY) | 18.29% | 12.14% | 3.43% | -3.88% | -0.64% | -6.00% | -7.43% | -8.25% | -437 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.16% | 0.10% | 0.18% | 0.10% | 0.09% | 0.09% | 0.09% | -9 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.89% | 0.87% | 1.09% | 1.07% | 1.04% | 1.00% | 0.98% | 0.95% | -12 bps | |
| Allowance Coverage of NPLs | 10.2x | 5.5x | 10.9x | 6.0x | 10.5x | 11.1x | 11.4x | 10.9x | +4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.08% | 8.14% | 8.33% | 8.55% | 8.56% | 8.79% | 9.27% | 9.33% | +78 bps | |
| Total Risk-Based Capital | 11.56% | 11.43% | 12.25% | 12.27% | 12.18% | 12.49% | 12.60% | 12.49% | +22 bps | |
| Equity / Assets | 7.48% | 7.59% | 7.93% | 7.84% | 7.76% | 8.52% | 8.81% | 8.71% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.29% | 85.85% | 81.78% | 86.33% | 85.22% | 92.02% | 94.65% | 98.02% | +1,169 bps | |
| Liquid Assets / Assets | 6.29% | 6.39% | 7.75% | 8.26% | 9.72% | 4.72% | 6.12% | 5.92% | -234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
McHenry, IL · Cert 30864 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=68-69)
FDIC · 3 branches
Q2 2024
Return on Assets
0.73%
Rank 28 of 69
Net Interest Margin
2.62%
Rank 48 of 69
Efficiency Ratio
70.90%
Rank 27 of 69
Equity / Assets
8.71%
Rank 50 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.30% | 0.64% | 0.95% | Beats 59% | 28 / 69 | n/a | |
| Return on Equity | 8.35% | 2.44% | 5.94% | 9.44% | Beats 62% | 26 / 69 | n/a | |
| Net Interest Margin | 2.62% | 2.55% | 3.21% | 3.71% | Beats 30% | 48 / 69 | n/a | |
| Efficiency Ratio | 70.90% | 63.64% | 75.82% | 87.71% | Beats 62% | 27 / 69 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.38% | 1.32% | Beats 72% | 20 / 68 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | n/a | 0.01% | Beats 28% | 50 / 68 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 12.63% | 16.15% | 19.71% | Beats 16% | 58 / 69 | n/a | |
| Total Risk-Based Capital Ratio | 12.49% | 13.07% | 16.49% | 20.86% | Beats 16% | 58 / 69 | n/a | |
| Equity / Assets | 8.71% | 8.52% | 10.93% | 14.81% | Beats 28% | 50 / 69 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.02% | 68.84% | 83.29% | 97.49% | 75th pctl | 17 / 69 | n/a | |
| Loans / Assets | 72.48% | 57.23% | 69.74% | 79.96% | 57th pctl | 29 / 68 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||