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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 0.92% | 0.95% | 1.15% | 1.11% | 1.39% | 1.25% | 0.30% | -85 bps | |
| Return on Equity | 9.29% | 7.58% | 7.94% | 9.90% | 9.89% | 14.11% | 12.86% | 2.59% | -731 bps | |
| Net Interest Margin | 3.13% | 3.35% | 3.29% | 3.07% | 3.06% | 3.39% | 3.34% | 1.29% | -178 bps | |
| Efficiency Ratio | 57.80% | 61.68% | 60.95% | 57.29% | 57.42% | 55.70% | 55.89% | 52.14% | -516 bps | |
| Non-Interest Burden | 1.72% | 1.97% | 1.91% | 1.57% | 1.59% | 1.77% | 1.75% | 0.61% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.37% | 10.79% | 13.04% | 22.03% | 22.07% | 26.24% | 23.88% | 20.85% | -117 bps | |
| Loan Growth (YoY) | 12.00% | 8.53% | 19.76% | 28.97% | 28.63% | 37.38% | 27.67% | 17.24% | -1,173 bps | |
| Deposit Growth (YoY) | 11.84% | 9.74% | 7.15% | 26.05% | 25.08% | 26.46% | 27.38% | 7.81% | -1,825 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.51% | 0.62% | 1.02% | +102 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.21% | 0.05% | 0.05% | 0.11% | 0.04% | 0.29% | -0.02% | -6 bps | |
| Allowance / Loans | 1.52% | 1.46% | 1.38% | 1.28% | 1.18% | 1.12% | 1.09% | 0.15% | -114 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.2x | 1.8x | 0.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 11.85% | 11.61% | 10.52% | 10.10% | 10.00% | 9.43% | 8.94% | -158 bps | |
| Total Risk-Based Capital | 15.79% | 15.79% | 14.64% | 13.69% | 12.77% | 12.21% | 11.81% | 10.34% | -335 bps | |
| Equity / Assets | 12.21% | 12.08% | 11.61% | 10.61% | 10.01% | 9.71% | 9.35% | 16.54% | +593 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.22% | 88.04% | 97.22% | 89.77% | 91.75% | 95.65% | 97.44% | 97.63% | +785 bps | |
| Liquid Assets / Assets | 0.46% | 2.64% | 1.49% | 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 | n/a | n/a | n/a |