Oak Brook, IL · Cert 35422
FDIC · 1 branch
Q1 2022
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.1% share · #91 of 168 inst. · $0.3B of $568.2B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.49% | 0.46% | 0.67% | 0.25% | -16 bps | |
| Return on Equity | 3.27% | 3.96% | 3.67% | 5.30% | 1.84% | -143 bps | |
| Net Interest Margin | 2.74% | 2.82% | 2.81% | 3.01% | 2.81% | +7 bps | |
| Efficiency Ratio | 82.62% | 80.06% | 80.39% | 75.48% | 92.10% | +948 bps | |
| Non-Interest Burden | 2.23% | 2.22% | 2.22% | 2.23% | 2.56% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.31% | -2.40% | -0.82% | -0.69% | -5.45% | -1,076 bps | |
| Loan Growth (YoY) | 6.54% | -13.40% | -13.66% | -9.80% | -14.57% | -2,111 bps | |
| Deposit Growth (YoY) | 2.15% | -4.95% | -0.38% | -0.49% | -6.53% | -869 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.27% | 0.27% | 0.04% | 0.05% | -21 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.16% | 0.03% | 0.01% | 0.00% | -28 bps | |
| Allowance / Loans | 1.46% | 1.66% | 1.75% | 1.74% | 1.82% | +35 bps | |
| Allowance Coverage of NPLs | 5.9x | 6.1x | 6.5x | 38.8x | 40.3x | +34.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.83% | 11.95% | 12.11% | 12.43% | 12.80% | +98 bps | |
| Total Risk-Based Capital | 18.49% | 19.79% | 19.68% | 19.83% | 20.22% | +173 bps | |
| Equity / Assets | 12.31% | 12.62% | 12.74% | 13.26% | 13.52% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.27% | 84.36% | 83.17% | 86.01% | 84.34% | -793 bps | |
| Liquid Assets / Assets | 16.90% | 24.91% | 26.45% | 25.01% | 26.56% | +966 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |