Orland Park, IL · Cert 35067
FDIC · 3 branches
Q2 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.0% share · #126 of 189 inst. · $0.1B 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.32% | 0.44% | 0.37% | 0.42% | 0.29% | 0.63% | 0.66% | +29 bps | |
| Return on Equity | 3.40% | 3.40% | 4.61% | 3.76% | 4.23% | 2.88% | 6.08% | 6.30% | +254 bps | |
| Net Interest Margin | 3.25% | 3.17% | 3.18% | 3.20% | 3.33% | 3.36% | 3.33% | 3.38% | +18 bps | |
| Efficiency Ratio | 84.35% | 83.82% | 80.98% | 84.34% | 82.41% | 83.80% | 77.63% | 75.37% | -897 bps | |
| Non-Interest Burden | 2.66% | 2.58% | 2.49% | 2.64% | 2.68% | 2.77% | 2.49% | 2.44% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | -0.19% | 0.11% | -0.92% | -2.64% | -4.33% | -5.54% | -4.50% | -357 bps | |
| Loan Growth (YoY) | 7.39% | 5.87% | 3.13% | 1.74% | 0.52% | 2.71% | 0.86% | -1.33% | -307 bps | |
| Deposit Growth (YoY) | -0.76% | -0.41% | -0.05% | -1.28% | -2.97% | -5.14% | -6.42% | -5.10% | -382 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.46% | 2.57% | 2.20% | 2.15% | 2.24% | 1.90% | -68 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.55% | -0.24% | -0.07% | -0.07% | -0.07% | -0.04% | -0.43% | -36 bps | |
| Allowance / Loans | 0.99% | 1.03% | 1.07% | 1.03% | 1.06% | 1.07% | 1.08% | 1.30% | +27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.4x | 0.4x | 0.5x | 0.5x | 0.5x | 0.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.16% | 9.27% | 9.53% | 9.88% | 10.04% | 10.33% | 10.64% | +111 bps | |
| Total Risk-Based Capital | 15.61% | 15.33% | 15.77% | 15.33% | 16.50% | 16.15% | 16.34% | 17.12% | +179 bps | |
| Equity / Assets | 9.65% | 9.56% | 9.64% | 9.97% | 10.22% | 10.27% | 10.41% | 10.58% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.14% | 70.89% | 72.21% | 74.49% | 74.74% | 76.75% | 77.83% | 77.46% | +296 bps | |
| Liquid Assets / Assets | 12.89% | 11.30% | 10.67% | 8.63% | 9.79% | 8.04% | 7.28% | 8.12% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |