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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.81% | 1.29% | 1.65% | 1.17% | 0.86% | 0.56% | 0.63% | -101 bps | |
| Return on Equity | 5.01% | 5.22% | 8.17% | 10.41% | 7.43% | 6.15% | 4.50% | 4.89% | -552 bps | |
| Net Interest Margin | 2.98% | 3.69% | 3.56% | 3.36% | 2.71% | 2.63% | 2.56% | 2.71% | -65 bps | |
| Efficiency Ratio | 110.25% | 70.88% | 71.80% | 72.41% | 78.73% | 72.91% | 76.06% | 75.28% | +287 bps | |
| Non-Interest Burden | 3.34% | 2.52% | 2.36% | 2.35% | 1.99% | 1.79% | 1.83% | 1.89% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -3.12% | -4.50% | 0.14% | 4.67% | 6.40% | 5.07% | -1.17% | -131 bps | |
| Loan Growth (YoY) | -3.71% | -5.07% | -4.61% | -3.41% | -9.52% | -7.34% | -4.43% | -3.01% | +40 bps | |
| Deposit Growth (YoY) | -3.21% | -4.44% | -6.06% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.28% | 0.00% | -0.03% | -0.16% | -0.08% | -0.07% | 0.09% | -0.16% | 0 bps | |
| Allowance / Loans | 2.21% | 2.24% | 1.93% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 15.56% | 15.42% | 15.69% | 15.52% | 12.07% | 12.26% | 12.69% | -300 bps | |
| Total Risk-Based Capital | 25.31% | 25.40% | 26.18% | 26.89% | 28.75% | 22.62% | 22.34% | 22.70% | -419 bps | |
| Equity / Assets | 15.33% | 15.87% | 15.82% | 15.80% | 15.61% | 12.45% | 12.68% | 13.24% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.86% | 60.47% | 58.81% | 57.55% | 52.01% | 50.63% | 51.54% | 54.99% | -256 bps | |
| Liquid Assets / Assets | 23.25% | 23.13% | 22.63% | 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 | n/a | n/a | n/a |