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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.57% | 0.51% | 0.58% | 0.61% | 0.53% | 0.53% | 0.70%1 | +13 bps | |
| Return on Equity | 3.52% | 5.67% | 5.09% | 5.78% | 6.12% | 5.33% | 5.23% | 6.88% | +110 bps | |
| Net Interest Margin | 3.06% | 2.94% | 2.89% | 2.90% | 2.92% | 2.95% | 2.95% | 2.96% | +6 bps | |
| Efficiency Ratio | 87.02% | 76.59% | 78.89% | 78.25% | 78.11% | 79.18% | 83.94% | 85.14% | +689 bps | |
| Non-Interest Burden | 2.60% | 2.10% | 2.17% | 2.14% | 2.12% | 2.22% | 2.39% | 2.44% | +30 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 | 0.15% | 0.37% | 0.38% | 0.29% | 0.21% | 0.28% | 0.26% | 0.38% | +8 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 |