Kenosha, WI · Cert 34289
FDIC · 3 branches
Q4 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.1% share · #97 of 196 inst. · $0.2B of $395.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.99% | 1.41% | 1.31% | 1.20% | 0.43% | -156 bps | |
| Return on Equity | 18.87% | 12.85% | 11.88% | 11.14% | 4.00% | -1,487 bps | |
| Net Interest Margin | 3.69% | 3.77% | 3.78% | 3.69% | 3.60% | -9 bps | |
| Efficiency Ratio | 63.22% | 56.20% | 56.10% | 67.53% | 48.61% | -1,461 bps | |
| Non-Interest Burden | 2.29% | 1.74% | 1.87% | 2.34% | 1.52% | -77 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.57% | 0.39% | 2.67% | 8.96% | 4.94% | +337 bps | |
| Loan Growth (YoY) | 8.36% | 6.96% | 9.74% | 4.70% | 3.52% | -484 bps | |
| Deposit Growth (YoY) | 2.58% | -0.31% | 0.29% | 6.78% | 5.52% | +294 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.76% | 0.64% | 0.39% | 0.95% | +95 bps | |
| Net Charge-Offs / Loans | -0.25% | -0.14% | -0.13% | -0.10% | 1.22% | +147 bps | |
| Allowance / Loans | 1.94% | 1.82% | 1.75% | 1.58% | 1.27% | -67 bps | |
| Allowance Coverage of NPLs | n/a | 2.4x | 2.7x | 4.0x | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.22% | 10.88% | 10.85% | 10.82% | 10.58% | +36 bps | |
| Total Risk-Based Capital | 12.92% | 13.10% | 13.10% | 13.72% | 13.64% | +72 bps | |
| Equity / Assets | 10.73% | 11.14% | 10.85% | 10.71% | 10.77% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.12% | 107.01% | 106.13% | 101.47% | 100.19% | -194 bps | |
| Liquid Assets / Assets | 4.30% | 2.81% | 3.30% | 8.25% | 4.46% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |