Glen Ellyn, IL · Cert 33953
FDIC · 4 branches
Q2 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.1% share · #84 of 218 inst. · $0.3B of $384.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | 0.65% | 0.34% | 0.62% | 5.43% | 0.43% | 0.50% | 0.58% | -3 bps | |
| Return on Equity | -6.88% | 10.57% | 5.44% | 9.31% | 71.26% | 5.11% | 5.85% | 6.63% | -268 bps | |
| Net Interest Margin | 3.17% | 3.21% | 3.14% | 3.18% | 3.18% | 3.06% | 3.02% | 2.54% | -64 bps | |
| Efficiency Ratio | 107.85% | 82.56% | 85.73% | 81.69% | 81.42% | 93.13% | 80.83% | 71.91% | -977 bps | |
| Non-Interest Burden | 3.47% | 2.54% | 2.62% | 2.49% | 2.47% | 2.82% | 2.32% | 1.69% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | -1.67% | -1.31% | -3.24% | -4.60% | -1.72% | -1.81% | -2.77% | +47 bps | |
| Loan Growth (YoY) | -1.83% | -3.87% | -1.21% | -3.46% | -3.57% | -5.97% | -8.47% | -7.48% | -402 bps | |
| Deposit Growth (YoY) | 4.95% | 0.94% | -0.93% | -4.05% | -6.29% | -3.28% | -3.39% | -4.01% | +4 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 | 0.02% | 0.11% | -0.14% | 0.05% | -0.05% | 0.12% | 0.05% | 0.16% | +12 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.36% | 1.41% | 1.39% | 1.32% | 1.34% | 1.32% | -9 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 | 7.88% | 8.79% | n/a | |
| Total Risk-Based Capital | 11.39% | 11.92% | 12.01% | 12.46% | 12.91% | 13.41% | 13.72% | 16.38% | +392 bps | |
| Equity / Assets | 6.15% | 6.21% | 6.42% | 6.84% | 8.41% | 8.46% | 8.70% | 8.90% | +206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.72% | 61.33% | 62.17% | 61.73% | 63.51% | 59.63% | 58.91% | 59.50% | -223 bps | |
| Liquid Assets / Assets | 9.03% | 7.54% | 8.83% | 6.11% | 1.20% | 3.62% | 1.96% | 0.88% | -522 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |