Oak Park, IL · Cert 34325
FDIC · 3 branches
Q1 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #85 of 189 inst. · $0.3B of $398.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.99% | 0.11% | 0.78% | 1.23% | 1.23% | 1.68% | 1.28% | +50 bps | |
| Return on Equity | 7.40% | 10.33% | 1.14% | 8.31% | 13.06% | 12.92% | 17.15% | 12.48% | +416 bps | |
| Net Interest Margin | 4.57% | 5.17% | 5.00% | 4.61% | 4.77% | 5.12% | 5.24% | 5.11% | +51 bps | |
| Efficiency Ratio | 78.94% | 72.76% | 79.60% | 80.90% | 69.23% | 70.26% | 63.25% | 66.95% | -1,395 bps | |
| Non-Interest Burden | 3.41% | 3.48% | 3.83% | 3.60% | 2.90% | 3.32% | 2.89% | 3.31% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 8.94% | 5.93% | 4.23% | 3.90% | 0.67% | 0.50% | -0.76% | -499 bps | |
| Loan Growth (YoY) | 11.26% | 14.89% | 7.93% | 2.17% | 4.25% | 4.68% | 6.37% | 7.28% | +511 bps | |
| Deposit Growth (YoY) | 2.66% | 6.33% | 8.06% | 6.15% | 5.18% | 2.41% | 0.63% | -2.77% | -892 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.36% | 2.27% | 1.88% | 1.78% | 1.51% | 1.48% | 2.87% | 2.29% | +51 bps | |
| Net Charge-Offs / Loans | 2.40% | 0.98% | 0.03% | -0.65% | -0.07% | -0.01% | -0.01% | -0.01% | +65 bps | |
| Allowance / Loans | 1.17% | 1.01% | 1.20% | 1.36% | 1.41% | 1.33% | 1.32% | 1.34% | -1 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.6x | 0.8x | 0.9x | 0.9x | 0.5x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.57% | 9.39% | 9.45% | 9.45% | 9.61% | 9.95% | 10.19% | +74 bps | |
| Total Risk-Based Capital | 11.38% | 11.04% | 11.43% | 11.84% | 12.17% | 11.73% | 12.11% | 12.62% | +77 bps | |
| Equity / Assets | 9.76% | 9.42% | 9.40% | 9.39% | 9.52% | 9.50% | 10.08% | 10.41% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.43% | 89.52% | 89.58% | 85.58% | 86.66% | 91.51% | 94.70% | 94.43% | +885 bps | |
| Liquid Assets / Assets | 5.49% | 5.33% | 6.15% | 6.85% | 5.68% | 2.46% | 1.83% | 1.48% | -537 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |