Chicago, IL · Cert 11694
FDIC · 4 branches
Q1 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.1% share · #87 of 196 inst. · $0.3B 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.85% | 0.90% | 0.99% | 0.63% | 0.76% | 0.72% | 0.83% | -16 bps | |
| Return on Equity | 8.02% | 7.29% | 7.77% | 8.66% | 5.51% | 6.63% | 6.23% | 6.97% | -169 bps | |
| Net Interest Margin | 3.84% | 3.78% | 3.77% | 3.79% | 3.66% | 3.64% | 3.65% | 3.56% | -24 bps | |
| Efficiency Ratio | 73.16% | 73.83% | 72.30% | 69.91% | 76.19% | 72.74% | 73.17% | 72.55% | +264 bps | |
| Non-Interest Burden | 2.64% | 2.57% | 2.53% | 2.46% | 2.66% | 2.48% | 2.52% | 2.48% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.61% | -1.27% | -1.90% | 3.54% | 5.29% | 3.34% | 5.14% | -1.91% | -545 bps | |
| Loan Growth (YoY) | -1.72% | -2.78% | -1.21% | 3.95% | 5.00% | 5.72% | 2.63% | -2.17% | -612 bps | |
| Deposit Growth (YoY) | -4.54% | -2.68% | -1.93% | 2.31% | 4.92% | 2.90% | 3.56% | -5.76% | -807 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 2.23% | 2.99% | 3.82% | 2.27% | 2.11% | -13 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.37% | 0.44% | 0.68% | 0.98% | 0.68% | 0.89% | 0.56% | -12 bps | |
| Allowance / Loans | 2.05% | 2.25% | 2.19% | 2.05% | 1.84% | 2.00% | 1.85% | 1.81% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.9x | 0.6x | 0.5x | 0.8x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 11.89% | 12.10% | 12.15% | 11.86% | 11.91% | 12.14% | 12.39% | +24 bps | |
| Total Risk-Based Capital | 16.40% | 16.37% | 16.81% | 16.85% | 15.72% | 15.91% | 16.67% | 17.06% | +21 bps | |
| Equity / Assets | 11.77% | 11.64% | 11.51% | 11.41% | 11.45% | 11.60% | 11.86% | 11.94% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.20% | 88.92% | 90.15% | 91.31% | 91.27% | 91.35% | 89.34% | 94.79% | +348 bps | |
| Liquid Assets / Assets | 2.11% | 4.98% | 0.88% | 2.60% | 5.45% | 4.76% | 4.58% | 3.50% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |