Gurnee, IL · Cert 34416
FDIC · 4 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65 to 66). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
100
Profitability
14
Liquidity
78
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Gurnee, IL · Cert 34416
FDIC · 4 branches
Q3 2024
Market Position · Chicago-Naperville-Elgin, IL-IN · 2024 SOD (annual) · 0.0% share · #103 of 157 inst. · $0.2B of $586.9B
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 1.04% | 0.86% | 0.72% | 0.68% | 0.55% | 0.52% | -0.65% | -137 bps | |
| Return on Equity | 4.94% | 4.95% | 4.20% | 3.57% | 3.39% | 2.70% | 2.60% | -3.86% | -743 bps | |
| Net Interest Margin | 3.42% | 3.53% | 3.22% | 2.87% | 2.84% | 2.61% | 2.67% | 2.63% | -24 bps | |
| Efficiency Ratio | 69.44% | 62.81% | 64.62% | 68.61% | 70.18% | 78.38% | 78.51% | 119.83% | +5,122 bps | |
| Non-Interest Burden | 2.30% | 2.13% | 2.00% | 1.90% | 1.92% | 1.99% | 2.04% | 3.18% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.23% | -20.13% | -6.77% | -6.50% | -0.35% | 0.77% | -2.86% | 15.62% | +2,212 bps | |
| Loan Growth (YoY) | -0.07% | 1.70% | -4.51% | -2.21% | -4.60% | 1.60% | 9.45% | 7.64% | +985 bps | |
| Deposit Growth (YoY) | -25.54% | -24.44% | -9.25% | -7.43% | 0.35% | 2.27% | -2.92% | 31.42% | +3,885 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.10% | 0.10% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.31% | 1.29% | 1.31% | 1.24% | 1.19% | 1.20% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 12.8x | 12.8x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.72% | 20.05% | 20.88% | 18.66% | 19.16% | 20.07% | 19.74% | 9.07% | -959 bps | |
| Total Risk-Based Capital | 22.79% | 23.30% | 24.42% | 22.98% | 22.87% | 22.23% | 22.15% | 11.66% | -1,133 bps | |
| Equity / Assets | 20.50% | 21.39% | 19.81% | 19.08% | 20.09% | 20.61% | 19.76% | 8.20% | -1,089 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.18% | 107.78% | 93.15% | 94.95% | 99.04% | 107.06% | 105.03% | 77.77% | -1,718 bps | |
| Liquid Assets / Assets | 9.03% | 7.01% | 16.95% | 14.96% | 11.59% | 6.65% | 7.76% | 21.33% | +637 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Gurnee, IL · Cert 34416 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65-66)
FDIC · 4 branches
Q3 2024
Return on Assets
-0.56%
Rank 61 of 66
Net Interest Margin
2.63%
Rank 46 of 66
Efficiency Ratio
119.83%
Rank 62 of 66
Equity / Assets
8.20%
Rank 56 of 66
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.56% | 0.19% | 0.69% | 0.95% | Beats 8% | 61 / 66 | ||
| Return on Equity | -6.88% | 1.41% | 5.65% | 9.08% | Beats 3% | 64 / 66 | ||
| Net Interest Margin | 2.63% | 2.49% | 3.21% | 3.81% | Beats 30% | 46 / 66 | ||
| Efficiency Ratio | 119.83% | 61.20% | 76.34% | 90.22% | Beats 8% | 62 / 66 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.49% | 1.34% | Beats 100% | 11 / 65 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 25 / 65 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.54% | 12.79% | 16.04% | 19.61% | Beats 11% | 59 / 66 | ||
| Total Risk-Based Capital Ratio | 11.66% | 13.16% | 16.56% | 20.61% | Beats 11% | 59 / 66 | ||
| Equity / Assets | 8.20% | 8.65% | 11.46% | 14.47% | Beats 15% | 56 / 66 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.77% | 67.54% | 83.81% | 94.78% | 42nd pctl | 38 / 66 | ||
| Loans / Assets | 68.76% | 55.27% | 68.76% | 79.43% | 49th pctl | 33 / 65 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||