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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.98% | -3.82% | -7.05% | -4.57% | -2.76% | -6.10% | -16.05% | -900 bps | |
| Return on Equity | -1.88% | -9.43% | -39.32% | -82.56% | -63.09% | -40.14% | -131.22% | -6319% | -623,668 bps | |
| Net Interest Margin | 4.83% | 3.40% | 2.72% | 2.31% | 2.71% | 2.60% | 2.50% | 2.34% | +3 bps | |
| Efficiency Ratio | 109.35% | 65.96% | 260% | 358% | 287% | 157.80% | 153.67% | 426% | +6,747 bps | |
| Non-Interest Burden | 5.61% | 1.53% | 9.69% | 12.75% | 10.36% | 5.18% | 4.91% | 17.22% | +447 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% | 0.20% | 12.79% | 4.44% | 2.02% | 0.10% | 1.92% | 0.56% | -388 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 |