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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.29% | 1.02% | 0.30% | 0.89% | 0.42% | 0.55% | 0.47% | +17 bps | |
| Return on Equity | 3.98% | 2.70% | 9.05% | 2.56% | 7.81% | 3.71% | 4.74% | 3.98% | +142 bps | |
| Net Interest Margin | 3.97% | 3.15% | 3.41% | 3.26% | 3.04% | 2.95% | 3.07% | 3.05% | -21 bps | |
| Efficiency Ratio | 63.41% | 84.51% | 76.63% | 86.03% | 85.10% | 81.13% | 79.51% | 79.26% | -678 bps | |
| Non-Interest Burden | 2.46% | 2.64% | 2.54% | 2.78% | 2.57% | 2.37% | 2.41% | 2.39% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | -1.12% | -3.16% | -3.63% | 2.67% | 4.40% | 4.75% | 3.13% | +676 bps | |
| Loan Growth (YoY) | -4.14% | 0.21% | 1.88% | -8.12% | -4.55% | -2.43% | 0.91% | 5.82% | +1,394 bps | |
| Deposit Growth (YoY) | 0.60% | -1.08% | -6.09% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.67% | 0.10% | 0.91% | -0.26% | -0.77% | 0.00% | -0.42% | -0.07% | +19 bps | |
| Allowance / Loans | 2.53% | 2.57% | 2.04% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 11.32% | 11.37% | 11.45% | n/a | |
| Total Risk-Based Capital | 18.57% | 18.54% | 18.88% | 20.26% | 19.82% | 20.60% | 19.76% | 20.16% | -10 bps | |
| Equity / Assets | 10.74% | 11.04% | 11.60% | 11.65% | 11.23% | 11.43% | 11.57% | 11.99% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.29% | 62.69% | 63.65% | 60.14% | 58.18% | 58.66% | 60.66% | 61.53% | +139 bps | |
| Liquid Assets / Assets | 2.51% | 1.05% | 1.13% | 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 | n/a | n/a | n/a |