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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.71% | 0.69% | 0.52% | 0.44% | 0.84% | 0.87% | 0.62% | +10 bps | |
| Return on Equity | 9.77% | 9.41% | 8.94% | 6.60% | 5.61% | 10.36% | 10.08% | 7.08% | +48 bps | |
| Net Interest Margin | 2.90% | 2.76% | 2.73% | 2.58% | 2.63% | 2.68% | 2.68% | 2.59% | +1 bps | |
| Efficiency Ratio | 71.26% | 78.01% | 70.84% | 74.49% | 81.57% | 71.82% | 67.79% | 74.22% | -27 bps | |
| Non-Interest Burden | 1.98% | 2.11% | 1.86% | 1.78% | 2.10% | 1.74% | 1.62% | 1.80% | +2 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 | -0.07% | 0.01% | 0.00% | 0.00% | 0.03% | 0.02% | 0.00% | 0.03% | +2 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 |