West Brooklyn, IL · Cert 9264
FDIC · 2 branches
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.18% | 1.23% | 0.83% | 1.56% | 1.47% | 0.99% | 0.74% | -9 bps | |
| Return on Equity | 10.50% | 7.85% | 8.07% | 5.43% | 10.13% | 9.33% | 6.20% | 4.64% | -79 bps | |
| Net Interest Margin | 3.57% | 3.44% | 3.64% | 3.63% | 3.45% | 3.53% | 3.46% | 3.46% | -16 bps | |
| Efficiency Ratio | 57.39% | 65.23% | 66.54% | 72.64% | 57.47% | 58.99% | 72.55% | 77.86% | +522 bps | |
| Non-Interest Burden | 1.97% | 2.19% | 2.41% | 2.58% | 1.89% | 2.04% | 2.47% | 2.66% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | -0.06% | 2.52% | 2.55% | 2.17% | 1.57% | 4.06% | 1.64% | -91 bps | |
| Loan Growth (YoY) | 2.54% | 2.23% | 5.86% | 3.65% | 3.53% | 6.17% | 1.61% | 3.25% | -39 bps | |
| Deposit Growth (YoY) | -1.01% | -0.56% | 2.57% | 2.28% | 1.37% | 0.42% | 3.47% | 0.68% | -160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.14% | 0.45% | 0.60% | 0.13% | 0.11% | 0.09% | -36 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.04% | -0.04% | -0.05% | -0.03% | -0.02% | 0.41% | +45 bps | |
| Allowance / Loans | 1.79% | 1.76% | 1.70% | 1.75% | 1.83% | 1.76% | 1.76% | 1.62% | -14 bps | |
| Allowance Coverage of NPLs | 12.9x | 12.9x | 11.9x | 3.9x | 3.0x | 13.9x | 15.7x | 17.7x | +13.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.46% | 15.24% | 15.64% | 15.44% | 15.66% | 15.96% | 15.91% | 15.92% | +49 bps | |
| Total Risk-Based Capital | 22.36% | 22.63% | 21.54% | 21.35% | 22.53% | 21.85% | 21.85% | 21.43% | +7 bps | |
| Equity / Assets | 15.05% | 15.06% | 15.36% | 15.17% | 15.65% | 15.92% | 15.91% | 15.89% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.69% | 83.80% | 88.83% | 86.85% | 84.46% | 88.59% | 87.24% | 89.07% | +222 bps | |
| Liquid Assets / Assets | 14.95% | 14.49% | 9.26% | 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 | n/a | n/a | n/a |