Evanston, IL · Cert 34060
FDIC · 9 branches
Q1 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.3% share · #42 of 196 inst. · $1.0B of $395.0B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.61% | 0.58% | 0.69% | 0.71% | 0.72% | 0.71% | 0.97% | +28 bps | |
| Return on Equity | 7.66% | 7.66% | 7.29% | 8.36% | 8.52% | 8.63% | 8.49% | 11.30% | +295 bps | |
| Net Interest Margin | 2.98% | 2.78% | 2.68% | 3.18% | 3.19% | 3.18% | 3.23% | 3.35% | +17 bps | |
| Efficiency Ratio | 68.43% | 68.46% | 70.06% | 67.45% | 66.69% | 66.67% | 73.31% | 62.93% | -452 bps | |
| Non-Interest Burden | 1.89% | 1.76% | 1.75% | 1.99% | 1.97% | 1.96% | 2.24% | 1.93% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.80% | 27.13% | 7.60% | 4.44% | 9.97% | -8.86% | 7.60% | 3.19% | -126 bps | |
| Loan Growth (YoY) | 7.09% | 8.63% | 12.19% | 10.69% | 11.56% | 12.63% | 10.07% | 7.20% | -349 bps | |
| Deposit Growth (YoY) | 5.96% | 28.92% | 7.57% | 3.15% | 9.74% | -12.02% | 7.46% | 3.68% | +53 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.46% | 0.39% | 0.25% | 0.15% | 0.25% | -22 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.10% | 0.18% | 0.15% | 0.12% | 0.09% | -0.01% | -19 bps | |
| Allowance / Loans | 1.39% | 1.40% | 1.29% | 1.25% | 1.21% | 1.19% | 1.18% | 1.22% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.7x | 3.1x | 4.8x | 8.0x | 4.9x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.42% | 7.87% | 7.63% | 8.20% | 8.34% | 8.35% | 8.59% | 8.66% | +46 bps | |
| Total Risk-Based Capital | 11.34% | 11.49% | 11.15% | 11.10% | 10.96% | 10.92% | 10.92% | 11.30% | +21 bps | |
| Equity / Assets | 8.48% | 7.15% | 8.35% | 8.16% | 8.33% | 8.50% | 8.48% | 8.64% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.12% | 69.66% | 85.55% | 84.07% | 87.55% | 89.18% | 87.62% | 86.93% | +286 bps | |
| Liquid Assets / Assets | 5.89% | 21.89% | 5.62% | 8.74% | 6.59% | 5.66% | 5.40% | 6.87% | -187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |