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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.09% | 0.05% | 0.41% | 0.58% | 0.39% | 1.31% | 0.25% | -16 bps | |
| Return on Equity | 2.07% | 0.75% | 0.39% | 3.27% | 4.64% | 3.09% | 10.10% | 1.84% | -143 bps | |
| Net Interest Margin | 2.50% | 2.40% | 2.77% | 2.74% | 2.89% | 2.76% | 3.63% | 2.81% | +7 bps | |
| Efficiency Ratio | 87.01% | 92.92% | 94.48% | 82.62% | 77.62% | 81.08% | 64.06% | 92.10% | +948 bps | |
| Non-Interest Burden | 2.16% | 2.21% | 2.62% | 2.23% | 2.21% | 2.20% | 2.27% | 2.56% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.35% | 7.77% | -0.17% | 5.31% | -2.40% | -0.82% | -0.69% | -5.45% | -1,076 bps | |
| Loan Growth (YoY) | 1.96% | 1.62% | 3.68% | 6.54% | -13.40% | -13.66% | -9.80% | -14.57% | -2,111 bps | |
| Deposit Growth (YoY) | 10.77% | 7.41% | -4.59% | 2.15% | -4.95% | -0.38% | -0.49% | -6.53% | -869 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.37% | 0.34% | 0.25% | 0.27% | 0.27% | 0.04% | 0.05% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.28% | 0.01% | -0.23% | -0.05% | 0.00% | -28 bps | |
| Allowance / Loans | 1.41% | 1.45% | 1.52% | 1.46% | 1.66% | 1.75% | 1.74% | 1.82% | +35 bps | |
| Allowance Coverage of NPLs | 2.5x | 3.9x | 4.5x | 5.9x | 6.1x | 6.5x | 38.8x | 40.3x | +34.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.71% | 11.69% | 11.83% | 11.95% | 12.11% | 12.43% | 12.80% | +98 bps | |
| Total Risk-Based Capital | 17.96% | 18.26% | 18.11% | 18.49% | 19.79% | 19.68% | 19.83% | 20.22% | +173 bps | |
| Equity / Assets | 12.13% | 12.37% | 12.60% | 12.31% | 12.62% | 12.74% | 13.26% | 13.52% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.59% | 95.96% | 94.89% | 92.27% | 84.36% | 83.17% | 86.01% | 84.34% | -793 bps | |
| Liquid Assets / Assets | 13.47% | 13.35% | 14.50% | 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 | n/a | n/a | n/a |