Buffalo Grove, IL · Cert 34090
FDIC · 3 branches
Q3 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.0% share · #118 of 189 inst. · $0.2B of $398.0B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.72% | -1.79% | -1.29% | -1.11% | -1.10% | -0.25% | -0.23% | 0.26% | +138 bps | |
| Return on Equity | -25.72% | -17.71% | -12.30% | -10.54% | -10.45% | -2.35% | -2.12% | 2.42% | +1,296 bps | |
| Net Interest Margin | 2.97% | 2.89% | 3.08% | 3.14% | 3.21% | 4.04% | 3.82% | 3.78% | +65 bps | |
| Efficiency Ratio | 192.83% | 158.29% | 137.32% | 132.50% | 132.50% | 106.26% | 111.28% | 117.96% | -1,454 bps | |
| Non-Interest Burden | 5.92% | 4.68% | 4.42% | 4.29% | 4.36% | 4.30% | 4.25% | 4.46% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.61% | -5.38% | -0.75% | 0.78% | 0.50% | -1.85% | -4.08% | -5.95% | -672 bps | |
| Loan Growth (YoY) | 6.37% | 4.22% | 11.01% | 10.08% | 9.97% | 0.90% | -3.95% | -9.76% | -1,984 bps | |
| Deposit Growth (YoY) | -4.69% | -4.74% | -8.98% | -5.64% | -12.54% | -7.76% | -4.75% | -4.12% | +152 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 5.11% | 4.71% | 4.90% | 4.38% | 4.12% | 3.48% | 3.61% | -130 bps | |
| Net Charge-Offs / Loans | -0.19% | -0.10% | -0.05% | -0.13% | -0.07% | -1.02% | -0.59% | -0.52% | -39 bps | |
| Allowance / Loans | 2.16% | 2.07% | 2.02% | 2.09% | 2.03% | 2.35% | 2.32% | 1.69% | -41 bps | |
| Allowance Coverage of NPLs | n/a | 0.4x | 0.4x | 0.4x | 0.5x | 0.6x | 0.7x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 10.14% | 11.47% | 11.15% | 10.98% | 11.27% | 10.97% | 11.44% | +29 bps | |
| Total Risk-Based Capital | 13.72% | 13.68% | 14.21% | 14.08% | 13.54% | 13.87% | 13.95% | 15.03% | +94 bps | |
| Equity / Assets | 10.04% | 10.17% | 11.22% | 10.89% | 10.49% | 10.52% | 11.02% | 11.40% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.99% | 80.69% | 94.24% | 92.46% | 98.07% | 88.27% | 95.03% | 87.03% | -544 bps | |
| Liquid Assets / Assets | 14.10% | 9.46% | 8.84% | 10.94% | 11.14% | 12.97% | 10.52% | 15.36% | +443 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |