Blue Island, IL · Cert 3610
FDIC · 7 branches
Q3 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.1% share · #66 of 226 inst. · $0.5B of $354.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.57% | 0.44% | 0.72% | 0.70% | 0.53% | 0.53%1 | 1.05%1 | +34 bps | |
| Return on Equity | 5.04% | 5.67% | 4.46% | 7.27% | 7.14% | 5.33% | 5.12% | 10.00% | +272 bps | |
| Net Interest Margin | 2.93% | 2.94% | 2.83% | 2.84% | 2.93% | 2.95% | 2.96% | 2.88% | +4 bps | |
| Efficiency Ratio | 89.12% | 76.59% | 81.46% | 77.03% | 77.74% | 79.18% | 88.66% | 87.62% | +1,059 bps | |
| Non-Interest Burden | 2.51% | 2.10% | 2.23% | 2.00% | 2.03% | 2.22% | 2.57% | 2.45% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.77% | -2.82% | -4.37% | -4.40% | -7.52% | -5.38% | -3.23% | -4.23% | +17 bps | |
| Loan Growth (YoY) | -8.34% | -7.65% | -8.17% | -7.63% | -7.11% | -4.98% | 4.36% | 1.24% | +887 bps | |
| Deposit Growth (YoY) | -0.06% | -0.37% | -1.65% | -1.25% | -3.84% | -1.50% | -1.43% | -2.13% | -87 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 | 0.24% | 0.37% | 0.38% | 0.11% | -0.02% | 0.28% | 0.26% | 0.58% | +47 bps | |
| Allowance / Loans | 3.42% | 3.45% | 3.45% | 3.46% | 3.46% | 3.44% | 3.16% | 3.14% | -32 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.38% | 18.04% | 18.53% | 19.13% | 18.84% | 19.41% | 18.67% | 20.31% | +118 bps | |
| Equity / Assets | 9.95% | 10.13% | 9.77% | 9.98% | 9.65% | 10.18% | 10.46% | 10.64% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.96% | 49.37% | 49.14% | 49.60% | 49.23% | 47.63% | 52.02% | 51.31% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |