Chicago, IL · Cert 19328
FDIC · 10 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 19328
FDIC · 10 branches
Q4 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.1% share · #82 of 208 inst. · $0.3B of $391.1B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.58% | -1.63% | -2.93% | -4.57% | -3.66% | -4.49% | -7.22% | -429 bps | |
| Return on Equity | -1.88% | -5.63% | -16.25% | -30.46% | -63.09% | -50.83% | -75.49% | -156.01% | -12,555 bps | |
| Net Interest Margin | 4.83% | 4.15% | 3.76% | 3.52% | 2.71% | 2.58% | 2.54% | 2.68% | -83 bps | |
| Efficiency Ratio | 109.35% | 92.83% | 131.06% | 169.83% | 287% | 217% | 195.67% | 249% | +7,939 bps | |
| Non-Interest Burden | 5.61% | 3.61% | 5.71% | 7.62% | 10.36% | 7.47% | 6.77% | 9.90% | +228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.55% | -24.25% | -25.33% | -11.88% | -7.88% | -3.79% | -6.41% | -19.52% | -764 bps | |
| Loan Growth (YoY) | -10.08% | -11.09% | -9.77% | -11.93% | -9.86% | -9.64% | -12.21% | -13.39% | -146 bps | |
| Deposit Growth (YoY) | -36.31% | -34.35% | -30.50% | -11.48% | -4.65% | -0.58% | 1.44% | -12.32% | -84 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.92% | 1.63% | 5.36% | 5.33% | 2.02% | 1.10% | 1.41% | 1.26% | -407 bps | |
| Allowance / Loans | 4.99% | 6.57% | 3.15% | 2.61% | 2.10% | 2.85% | 2.12% | 2.48% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 8.64% | 7.97% | 5.69% | 3.73% | 3.21% | 1.93% | -1.79% | -748 bps | |
| Total Risk-Based Capital | 20.12% | 18.21% | 14.56% | 10.77% | 6.82% | 6.81% | 4.53% | -1.85% | -1,262 bps | |
| Equity / Assets | 10.52% | 10.21% | 9.23% | 7.83% | 6.65% | 7.11% | 2.07% | -1.94% | -977 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.78% | 81.37% | 80.91% | 79.83% | 78.26% | 73.95% | 70.03% | 78.86% | -97 bps | |
| Liquid Assets / Assets | 15.22% | 16.27% | 15.56% | 13.60% | 16.52% | 18.39% | 21.66% | 14.95% | +135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |