Buffalo Grove, IL · Cert 57611
FDIC · 1 branch
Q1 2020
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #159 of 180 inst. · $0.0B of $415.7B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.97% | 0.97% | 0.93% | 0.82% | 0.67% | 0.67% | 0.65% | -29 bps | |
| Return on Equity | 2.56% | 4.74% | 4.67% | 4.27% | 3.73% | 3.10% | 3.12% | 3.07% | -120 bps | |
| Net Interest Margin | 2.62% | 3.32% | 3.29% | 3.08% | 2.99% | 2.86% | 2.74% | 2.69% | -39 bps | |
| Efficiency Ratio | 82.23% | 71.63% | 71.80% | 73.09% | 76.16% | 79.10% | 79.58% | 79.13% | +604 bps | |
| Non-Interest Burden | 2.09% | 2.28% | 2.26% | 2.14% | 2.15% | 2.16% | 2.07% | 2.04% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.34% | 5.08% | -1.22% | -9.75% | -7.58% | -4.20% | -2.18% | 6.19% | +1,594 bps | |
| Loan Growth (YoY) | 4.89% | -7.94% | -10.10% | -11.34% | -14.83% | 6.64% | 11.93% | 8.09% | +1,943 bps | |
| Deposit Growth (YoY) | 14.15% | 6.64% | -1.47% | -12.13% | -9.55% | -7.71% | -5.29% | 5.47% | +1,761 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.98% | 0.00% | 0.00% | 0.00% | 1.09% | 1.13% | 1.06% | 1.16% | +116 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.05% | -5 bps | |
| Allowance / Loans | 1.15% | 1.32% | 1.30% | 1.33% | 1.39% | 1.24% | 1.16% | 1.24% | -9 bps | |
| Allowance Coverage of NPLs | 0.1x | n/a | n/a | n/a | 1.3x | 1.1x | 1.1x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.94% | 20.89% | 21.39% | 22.06% | 21.95% | 22.15% | 21.30% | 21.26% | -80 bps | |
| Total Risk-Based Capital | 28.75% | 33.10% | 33.68% | 34.67% | 34.19% | 29.81% | 29.08% | 31.27% | -341 bps | |
| Equity / Assets | 20.21% | 20.56% | 21.15% | 22.56% | 21.98% | 21.18% | 21.26% | 20.76% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.40% | 90.80% | 94.25% | 99.85% | 95.48% | 104.92% | 111.39% | 102.33% | +248 bps | |
| Liquid Assets / Assets | 14.06% | 22.95% | 20.37% | 17.22% | 19.87% | 14.38% | 9.71% | 16.20% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |