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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.64% | 0.75% | 0.96% | 0.96% | 0.74% | 0.24% | 0.53% | -44 bps | |
| Return on Equity | 10.17% | 6.26% | 7.38% | 9.32% | 9.29% | 6.91% | 2.27% | 4.74% | -458 bps | |
| Net Interest Margin | 3.81% | 3.73% | 3.80% | 3.87% | 3.69% | 3.76% | 3.97% | 4.02% | +15 bps | |
| Efficiency Ratio | 73.10% | 84.26% | 82.26% | 79.60% | 78.77% | 80.89% | 76.21% | 76.21% | -339 bps | |
| Non-Interest Burden | 2.67% | 3.07% | 3.03% | 2.94% | 2.79% | 2.99% | 2.95% | 2.99% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.16% | 0.32% | 5.96% | -0.21% | -0.77% | 4.75% | 0.59% | -9.26% | -905 bps | |
| Loan Growth (YoY) | 11.61% | 7.51% | 8.16% | -2.24% | -2.31% | -5.00% | -14.48% | -16.04% | -1,380 bps | |
| Deposit Growth (YoY) | 14.16% | -0.55% | 3.70% | 5.79% | -0.95% | 4.53% | 3.07% | -11.06% | -1,684 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 1.59% | 1.66% | 1.67% | 1.63% | 0.54% | 0.84% | -81 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 1.40% | 0.98% | +99 bps | |
| Allowance / Loans | 1.23% | 1.26% | 1.22% | 1.19% | 1.20% | 1.26% | 1.20% | 1.20% | +1 bps | |
| Allowance Coverage of NPLs | 27.0x | 27.1x | 0.8x | 0.7x | 0.7x | 0.8x | 2.2x | 1.4x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 10.61% | 10.54% | 11.05% | 10.67% | 11.29% | 10.84% | 11.83% | +78 bps | |
| Total Risk-Based Capital | 12.66% | 13.16% | 12.95% | 13.56% | 14.04% | 15.23% | 15.65% | 16.77% | +322 bps | |
| Equity / Assets | 9.98% | 10.57% | 10.07% | 10.70% | 10.51% | 10.82% | 10.69% | 12.61% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.18% | 91.81% | 94.13% | 92.22% | 86.97% | 83.44% | 78.10% | 87.05% | -517 bps | |
| Liquid Assets / Assets | 7.98% | 5.91% | 6.31% | 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 | n/a | n/a | n/a |