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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -0.68% | 0.34% | 0.48% | 2.11% | 1.69% | 0.50% | 0.54% | +6 bps | |
| Return on Equity | -17.01% | -10.44% | 5.44% | 7.41% | 30.31% | 23.27% | 5.85% | 6.26% | -115 bps | |
| Net Interest Margin | 3.07% | 3.09% | 3.14% | 3.16% | 3.22% | 3.18% | 3.02% | 2.77% | -40 bps | |
| Efficiency Ratio | 115.32% | 106.84% | 85.73% | 83.66% | 82.91% | 85.33% | 80.83% | 76.67% | -699 bps | |
| Non-Interest Burden | 3.64% | 3.34% | 2.62% | 2.56% | 2.57% | 2.63% | 2.32% | 2.00% | -55 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 | 1.28% | 1.00% | -0.14% | -0.05% | -0.05% | -0.01% | 0.05% | 0.10% | +16 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 |