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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 1.61% | 1.56% | 1.53% | 1.40% | 1.81% | 1.76% | 0.31% | -122 bps | |
| Return on Equity | 13.33% | 14.13% | 13.82% | 13.55% | 12.44% | 15.88% | 15.45% | 2.90% | -1,065 bps | |
| Net Interest Margin | 4.61% | 4.49% | 4.54% | 4.42% | 4.33% | 4.64% | 4.46% | 4.88% | +47 bps | |
| Efficiency Ratio | 57.70% | 56.33% | 57.56% | 57.65% | 62.61% | 52.46% | 52.70% | 68.96% | +1,131 bps | |
| Non-Interest Burden | 2.46% | 2.33% | 2.43% | 2.36% | 2.58% | 2.24% | 2.18% | 3.27% | +91 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% | 1.94% | +194 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 |