Woodstock, IL · Cert 58579
FDIC · 3 branches
Q2 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #115 of 180 inst. · $0.1B 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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.56% | 0.21% | 0.55% | -0.01% | -60 bps | |
| Return on Equity | 5.76% | 5.34% | 2.04% | 5.45% | -0.10% | -586 bps | |
| Net Interest Margin | 3.49% | 3.47% | 3.45% | 3.41% | 3.32% | -17 bps | |
| Efficiency Ratio | 76.41% | 78.52% | 89.92% | 79.26% | 98.27% | +2,186 bps | |
| Non-Interest Burden | 2.65% | 2.68% | 3.08% | 2.61% | 3.26% | +61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.28% | 3.35% | 1.41% | 6.47% | 14.24% | +1,396 bps | |
| Loan Growth (YoY) | 0.45% | 3.09% | 9.26% | 14.83% | 19.30% | +1,885 bps | |
| Deposit Growth (YoY) | 0.39% | 0.93% | -2.22% | 2.56% | 11.79% | +1,140 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 2.31% | 1.99% | 1.37% | 2.56% | +250 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.09% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.33% | 1.29% | 1.20% | 1.14% | 1.13% | -21 bps | |
| Allowance Coverage of NPLs | 21.5x | 0.6x | 0.6x | 0.8x | 0.4x | -21.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.16% | 10.35% | 10.20% | 9.91% | 9.54% | -62 bps | |
| Total Risk-Based Capital | 14.36% | 13.72% | 13.05% | 12.87% | 12.51% | -185 bps | |
| Equity / Assets | 10.69% | 10.44% | 10.17% | 9.86% | 9.84% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.36% | 89.77% | 93.11% | 91.98% | 94.30% | +594 bps | |
| Liquid Assets / Assets | 1.17% | 1.13% | 1.08% | 1.03% | 1.02% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |