Saint Charles, IL · Cert 58127
FDIC · 5 branches
Q3 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.1% share · #93 of 180 inst. · $0.2B of $415.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 0.98% | 0.74% | -0.25% | 1.12% | -26 bps | |
| Return on Equity | 13.28% | 9.27% | 6.91% | -2.36% | 9.67% | -361 bps | |
| Net Interest Margin | 3.88% | 3.79% | 3.76% | 4.21% | 3.61% | -27 bps | |
| Efficiency Ratio | 74.56% | 76.17% | 80.89% | 72.11% | 76.21% | +165 bps | |
| Non-Interest Burden | 2.68% | 2.82% | 2.99% | 2.93% | 2.68% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | -0.77% | 4.75% | 0.59% | -9.26% | -905 bps | |
| Loan Growth (YoY) | -2.24% | -2.31% | -5.00% | -14.48% | -16.04% | -1,380 bps | |
| Deposit Growth (YoY) | 5.79% | -0.95% | 4.53% | 3.07% | -11.06% | -1,684 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.66% | 1.67% | 1.63% | 0.54% | 0.84% | -81 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 2.81% | 0.00% | +1 bps | |
| Allowance / Loans | 1.19% | 1.20% | 1.26% | 1.20% | 1.20% | +1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 2.2x | 1.4x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.05% | 10.67% | 11.29% | 10.84% | 11.83% | +78 bps | |
| Total Risk-Based Capital | 13.56% | 14.04% | 15.23% | 15.65% | 16.77% | +322 bps | |
| Equity / Assets | 10.70% | 10.51% | 10.82% | 10.69% | 12.61% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.22% | 86.97% | 83.44% | 78.10% | 87.05% | -517 bps | |
| Liquid Assets / Assets | 6.00% | 10.62% | 14.48% | 18.11% | 9.60% | +360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |