Elgin, IL · Cert 33842
FDIC · 2 branches
Q3 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #121 of 208 inst. · $0.2B 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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.23% | 0.86% | 0.71% | 0.69% | -56 bps | |
| Return on Equity | 7.95% | 7.81% | 6.15% | 5.26% | 5.11% | -284 bps | |
| Net Interest Margin | 3.49% | 3.22% | 2.63% | 2.60% | 2.68% | -82 bps | |
| Efficiency Ratio | 71.68% | 73.29% | 72.91% | 74.46% | 74.74% | +306 bps | |
| Non-Interest Burden | 2.38% | 2.23% | 1.79% | 1.81% | 1.87% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.14% | 4.67% | 6.40% | 5.07% | -1.17% | -131 bps | |
| Loan Growth (YoY) | -3.41% | -9.52% | -7.34% | -4.43% | -3.01% | +40 bps | |
| Deposit Growth (YoY) | -1.07% | 4.12% | 10.67% | 9.03% | 1.50% | +257 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.07% | -0.07% | 0.01% | -0.05% | +1 bps | |
| Allowance / Loans | 1.20% | 1.09% | 0.86% | 0.83% | 0.82% | -39 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.69% | 15.52% | 12.07% | 12.26% | 12.69% | -300 bps | |
| Total Risk-Based Capital | 26.89% | 28.75% | 22.62% | 22.34% | 22.70% | -419 bps | |
| Equity / Assets | 15.80% | 15.61% | 12.45% | 12.68% | 13.24% | -256 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.55% | 52.01% | 50.63% | 51.54% | 54.99% | -256 bps | |
| Liquid Assets / Assets | 25.04% | 31.89% | 32.17% | 27.56% | 23.46% | -158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |