West Brooklyn, IL · Cert 9264
FDIC · 2 branches
Q4 2019
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.56% | 1.52% | 1.34% | 1.19% | -1 bps | |
| Return on Equity | 7.94% | 10.13% | 9.73% | 8.54% | 7.55% | -39 bps | |
| Net Interest Margin | 3.51% | 3.45% | 3.52% | 3.46% | 3.46% | -5 bps | |
| Efficiency Ratio | 65.56% | 57.47% | 58.22% | 62.99% | 66.71% | +116 bps | |
| Non-Interest Burden | 2.25% | 1.89% | 1.98% | 2.12% | 2.26% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 2.17% | 1.57% | 4.06% | 1.64% | -91 bps | |
| Loan Growth (YoY) | 3.65% | 3.53% | 6.17% | 1.61% | 3.25% | -39 bps | |
| Deposit Growth (YoY) | 2.28% | 1.37% | 0.42% | 3.47% | 0.68% | -160 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.60% | 0.13% | 0.11% | 0.09% | -36 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.05% | -0.04% | -0.03% | 0.08% | +11 bps | |
| Allowance / Loans | 1.75% | 1.83% | 1.76% | 1.76% | 1.62% | -14 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.0x | 13.9x | 15.7x | 17.7x | +13.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.44% | 15.66% | 15.96% | 15.91% | 15.92% | +49 bps | |
| Total Risk-Based Capital | 21.35% | 22.53% | 21.85% | 21.85% | 21.43% | +7 bps | |
| Equity / Assets | 15.17% | 15.65% | 15.92% | 15.91% | 15.89% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.85% | 84.46% | 88.59% | 87.24% | 89.07% | +222 bps | |
| Liquid Assets / Assets | 10.96% | 13.95% | 10.77% | 12.71% | 11.93% | +98 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |