Plainfield, IL · Cert 58769
FDIC · 9 branches
Q3 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.3% share · #38 of 196 inst. · $1.1B of $395.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 1.00% | 1.39% | 1.10% | -1.44% | -296 bps | |
| Return on Equity | 13.74% | 9.68% | 14.11% | 11.59% | -10.98% | -2,472 bps | |
| Net Interest Margin | 3.35% | 3.36% | 3.39% | 3.49% | -2.71% | -606 bps | |
| Efficiency Ratio | 51.95% | 57.79% | 55.70% | 56.06% | 55.46% | +351 bps | |
| Non-Interest Burden | 1.31% | 1.81% | 1.77% | 1.84% | -1.33% | -264 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.03% | 22.07% | 26.24% | 23.88% | 20.85% | -117 bps | |
| Loan Growth (YoY) | 28.97% | 28.63% | 37.38% | 27.67% | 17.24% | -1,173 bps | |
| Deposit Growth (YoY) | 26.05% | 25.08% | 26.46% | 27.38% | 7.81% | -1,825 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.51% | 0.62% | 1.02% | +102 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.31% | 0.04% | 0.54% | -0.62% | -68 bps | |
| Allowance / Loans | 1.28% | 1.18% | 1.12% | 1.09% | 0.15% | -114 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.2x | 1.8x | 0.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.52% | 10.10% | 10.00% | 9.43% | 8.94% | -158 bps | |
| Total Risk-Based Capital | 13.69% | 12.77% | 12.21% | 11.81% | 10.34% | -335 bps | |
| Equity / Assets | 10.61% | 10.01% | 9.71% | 9.35% | 16.54% | +593 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.77% | 91.75% | 95.65% | 97.44% | 97.63% | +785 bps | |
| Liquid Assets / Assets | 2.47% | 0.57% | 0.91% | 3.16% | 4.66% | +219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |