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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.45% | 0.55% | 0.57% | 0.57% | 0.47% | 0.55% | 0.26% | -31 bps | |
| Return on Equity | 5.72% | 4.11% | 5.56% | 5.65% | 5.55% | 4.65% | 5.45% | 2.66% | -299 bps | |
| Net Interest Margin | 3.48% | 3.29% | 3.31% | 3.45% | 3.47% | 3.37% | 3.41% | 3.30% | -15 bps | |
| Efficiency Ratio | 71.98% | 71.57% | 73.89% | 75.15% | 76.29% | 79.82% | 79.26% | 88.35% | +1,320 bps | |
| Non-Interest Burden | 2.42% | 2.29% | 2.40% | 2.56% | 2.61% | 2.66% | 2.61% | 2.88% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.85% | 8.02% | 5.94% | 0.28% | 3.35% | 1.41% | 6.47% | 14.24% | +1,396 bps | |
| Loan Growth (YoY) | 4.14% | 4.60% | 4.76% | 0.45% | 3.09% | 9.26% | 14.83% | 19.30% | +1,885 bps | |
| Deposit Growth (YoY) | 1.20% | 9.39% | 10.47% | 0.39% | 0.93% | -2.22% | 2.56% | 11.79% | +1,140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.22% | 0.22% | 0.06% | 2.31% | 1.99% | 1.37% | 2.56% | +250 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.09% | 0.07% | 0.03% | 0.04% | 0.05% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.39% | 1.31% | 1.33% | 1.33% | 1.29% | 1.20% | 1.14% | 1.13% | -21 bps | |
| Allowance Coverage of NPLs | 6.2x | 6.1x | 6.0x | 21.5x | 0.6x | 0.6x | 0.8x | 0.4x | -21.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.57% | 9.69% | 10.16% | 10.35% | 10.20% | 9.91% | 9.54% | -62 bps | |
| Total Risk-Based Capital | 13.80% | 13.89% | 14.36% | 14.36% | 13.72% | 13.05% | 12.87% | 12.51% | -185 bps | |
| Equity / Assets | 10.58% | 9.90% | 9.85% | 10.69% | 10.44% | 10.17% | 9.86% | 9.84% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.89% | 83.32% | 82.15% | 88.36% | 89.77% | 93.11% | 91.98% | 94.30% | +594 bps | |
| Liquid Assets / Assets | 1.00% | 0.79% | 1.09% | 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 | n/a | n/a | n/a |