New Lenox, IL · Cert 57971
FDIC · 2 branches
Q4 2022
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2022 SOD (annual) · 0.0% share · #95 of 162 inst. · $0.3B of $599.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.64% | 1.47% | 1.43% | 1.40% | 2.20% | 1.68% | -3.72% | -515 bps | |
| Return on Equity | 13.33% | 14.75% | 13.38% | 12.79% | 12.44% | 19.22% | 14.62% | -38.02% | -5,081 bps | |
| Net Interest Margin | 4.61% | 4.58% | 4.67% | 4.24% | 4.33% | 5.03% | 4.77% | 5.54% | +130 bps | |
| Efficiency Ratio | 57.70% | 55.01% | 59.96% | 57.91% | 62.61% | 43.95% | 53.14% | 112.12% | +5,421 bps | |
| Non-Interest Burden | 2.46% | 2.31% | 2.64% | 2.27% | 2.58% | 1.96% | 2.38% | 6.23% | +396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 0.96% | 8.21% | 9.71% | 5.39% | 4.91% | 9.84% | 14.84% | +513 bps | |
| Loan Growth (YoY) | 9.40% | -4.73% | -7.73% | -2.23% | -9.57% | -4.34% | 13.97% | 11.06% | +1,330 bps | |
| Deposit Growth (YoY) | 8.99% | 4.27% | 8.47% | 10.36% | 5.71% | 3.89% | 9.58% | 20.07% | +970 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.82% | 1.91% | 2.00% | 1.83% | 1.66% | 1.13% | 1.02% | 1.01% | -82 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 7.78% | +778 bps | |
| Allowance / Loans | 1.11% | 1.18% | 1.26% | 1.22% | 1.15% | 1.15% | 1.09% | 0.86% | -37 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.7x | 0.7x | 1.0x | 1.1x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.79% | 10.80% | 11.15% | 11.17% | 11.51% | 11.75% | 11.30% | 9.04% | -213 bps | |
| Total Risk-Based Capital | 14.89% | 14.95% | 15.70% | 15.67% | 16.14% | 16.73% | 16.07% | 12.38% | -329 bps | |
| Equity / Assets | 11.41% | 10.86% | 11.07% | 11.32% | 11.25% | 11.65% | 11.31% | 8.31% | -301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.08% | 84.19% | 77.50% | 81.08% | 77.05% | 77.52% | 80.60% | 75.00% | -608 bps | |
| Liquid Assets / Assets | 16.47% | 21.09% | 27.41% | 25.14% | 27.69% | 25.72% | 22.64% | 24.15% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |