PackageTrendsPeer
Letter portraitLegal landscape

Austin Bank of Chicago

Chicago, IL · Cert 11694

FDIC · 4 branches

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Austin Bank of Chicago

Chicago, IL · Cert 11694

FDIC · 4 branches

Q1 2018

$334.3MAssets
$238.0MLoans
$251.1MDeposits
$39.9MEquity
Loan mix
97%RE $167.4M2%C&I $3.4M1%Consumer $1.5MQ1 2017Q1 2018
Deposit mix
76%Interest-bearing $192.1M24%Noninterest $59.0MQ1 2017Q1 2018

NIM

4.56%Q1 ’164.41%Q1 ’174.25%Q1 ’18-3%-6%

Non-interest income vs. expense

3.27%Q1 ’163.09%Q1 ’172.85%Q1 ’18-5%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.1% share · #87 of 196 inst. · $0.3B of $395.0B

0.1% Cook
0.2% DuPage

Executive Summary

  • Earnings: ROA of 0.83%, down 16 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 2.11% of loans (-13 bps YoY), with net charge-offs at 0.56%.
  • Capital: tier 1 leverage ratio of 12.39%, up 24 bps from a year ago.
  • Funding: loans stand at 94.79% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.83%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-24 bps YoY

Efficiency Ratio (YTD, annualized)

72.55%+264 bps YoY

Tier 1 Leverage Ratio

12.39%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.99%0.63%0.76%0.72%0.83%-16 bps
Return on Equity8.66%5.51%6.63%6.23%6.97%-169 bps
Net Interest Margin3.79%3.66%3.64%3.65%3.56%-24 bps
Efficiency Ratio69.91%76.19%72.74%73.17%72.55%+264 bps
Non-Interest Burden2.46%2.66%2.48%2.52%2.48%+1 bps
Growth
Asset Growth (YoY)3.54%5.29%3.34%5.14%-1.91%-545 bps
Loan Growth (YoY)3.95%5.00%5.72%2.63%-2.17%-612 bps
Deposit Growth (YoY)2.31%4.92%2.90%3.56%-5.76%-807 bps
Asset Quality
Nonperforming Loans / Loans2.23%2.99%3.82%2.27%2.11%-13 bps
Net Charge-Offs / Loans0.68%0.98%0.68%0.89%0.56%-12 bps
Allowance / Loans2.05%1.84%2.00%1.85%1.81%-23 bps
Allowance Coverage of NPLs0.9x0.6x0.5x0.8x0.9x-0.1x
Capital
Tier 1 Leverage Ratio12.15%11.86%11.91%12.14%12.39%+24 bps
Total Risk-Based Capital16.85%15.72%15.91%16.67%17.06%+21 bps
Equity / Assets11.41%11.45%11.60%11.86%11.94%+53 bps
Liquidity & Funding
Loans / Deposits91.31%91.27%91.35%89.34%94.79%+348 bps
Liquid Assets / Assets2.60%5.45%4.76%4.58%3.50%+90 bps
CRE / Total Capitaln/an/an/an/an/an/an/a