Arlington Heights, IL · Cert 35195
FDIC · 2 branches
Q3 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #158 of 218 inst. · $0.1B of $384.6B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.63% | 0.42% | 0.48% | 0.48% | -6 bps | |
| Return on Equity | 4.78% | 5.56% | 3.71% | 4.24% | 4.15% | -63 bps | |
| Net Interest Margin | 3.32% | 3.19% | 2.95% | 3.01% | 3.02% | -31 bps | |
| Efficiency Ratio | 82.23% | 82.90% | 81.13% | 80.31% | 79.95% | -227 bps | |
| Non-Interest Burden | 2.69% | 2.61% | 2.37% | 2.39% | 2.39% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.63% | 2.67% | 4.40% | 4.75% | 3.13% | +676 bps | |
| Loan Growth (YoY) | -8.12% | -4.55% | -2.43% | 0.91% | 5.82% | +1,394 bps | |
| Deposit Growth (YoY) | -4.31% | 2.18% | 4.27% | 5.89% | 3.43% | +774 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.00% | 0.00% | -0.21% | -0.16% | -43 bps | |
| Allowance / Loans | 2.23% | 1.91% | 1.83% | 1.81% | 1.82% | -41 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 11.32% | 11.37% | 11.45% | n/a | |
| Total Risk-Based Capital | 20.26% | 19.82% | 20.60% | 19.76% | 20.16% | -10 bps | |
| Equity / Assets | 11.65% | 11.23% | 11.43% | 11.57% | 11.99% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.14% | 58.18% | 58.66% | 60.66% | 61.53% | +139 bps | |
| Liquid Assets / Assets | 7.02% | 4.08% | 2.80% | 1.68% | 0.38% | -664 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |