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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.04% | 0.71% | 0.44% | 0.56% | 0.55% | 0.50% | -2.77% | -320 bps | |
| Return on Equity | 6.28% | 4.95% | 3.46% | 2.24% | 2.86% | 2.70% | 2.50% | -20.47% | -2,271 bps | |
| Net Interest Margin | 3.71% | 3.53% | 2.79% | 2.55% | 2.57% | 2.61% | 2.78% | 2.71% | +16 bps | |
| Efficiency Ratio | 60.07% | 62.81% | 66.95% | 77.91% | 75.50% | 78.38% | 78.64% | 199.27% | +12,136 bps | |
| Non-Interest Burden | 2.14% | 2.13% | 1.79% | 1.93% | 1.88% | 1.99% | 2.13% | 5.57% | +364 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% | 0.00% | 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 |