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Bridgeview Bank and Trust

Bridgeview, IL · Cert 21122

FDIC · 16 branches

Q1 2019

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 2019, the quarter ended March 31, 2019, 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 2026-10-11

Bridgeview Bank and Trust

Bridgeview, IL · Cert 21122

FDIC · 16 branches

Q1 2019

$1.1BAssets
$761.7MLoans
$994.1MDeposits
$132.1MEquity
Loan mix
65%RE $298.9M34%C&I $157.6M1%Consumer $4.3MQ1 2018Q1 2019
Deposit mix
83%Interest-bearing $824.6M17%Noninterest $169.5MQ1 2018Q1 2019

NIM

3.89%Q1 ’174.02%Q1 ’184.18%Q1 ’19+0%-5%

Non-interest income vs. expense

10.23%Q1 ’179.95%Q1 ’182.96%Q1 ’19+64%+13%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.3% share · #41 of 189 inst. · $1.0B of $398.0B

0.3% Cook
0.5% Lake
0.2% DuPage
5.0% Kendall

Executive Summary

  • Earnings: ROA of 0.43%, down 30 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.95% of loans (+27 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 10.19%, down 9 bps from a year ago.
  • Funding: loans stand at 76.63% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.43%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-20 bps YoY

Efficiency Ratio (YTD, annualized)

82.60%-719 bps YoY

Tier 1 Leverage Ratio

10.19%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.73%0.84%1.02%0.12%0.43%-30 bps
Return on Equity6.60%7.72%9.31%1.07%3.89%-271 bps
Net Interest Margin3.60%3.56%3.56%3.60%3.40%-20 bps
Efficiency Ratio89.79%88.66%87.08%97.16%82.60%-719 bps
Non-Interest Burden2.42%2.29%2.07%3.28%2.73%+31 bps
Growth
Asset Growth (YoY)11.26%14.83%10.35%6.75%-5.17%-1,643 bps
Loan Growth (YoY)10.30%11.63%9.76%2.60%-13.77%-2,407 bps
Deposit Growth (YoY)4.34%9.87%12.23%5.35%1.69%-265 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.37%0.43%0.39%0.95%+27 bps
Net Charge-Offs / Loans-0.01%0.30%0.25%0.20%-0.03%-2 bps
Allowance / Loans1.00%0.81%0.81%0.85%1.02%+2 bps
Allowance Coverage of NPLs1.5x2.2x1.9x2.2x1.1x-0.4x
Capital
Tier 1 Leverage Ratio10.28%10.17%10.51%9.75%10.19%-9 bps
Total Risk-Based Capital14.46%14.07%14.70%14.26%15.10%+64 bps
Equity / Assets10.94%10.68%11.00%10.54%11.54%+61 bps
Liquidity & Funding
Loans / Deposits90.36%91.93%87.64%86.61%76.63%-1,374 bps
Liquid Assets / Assets1.51%1.73%1.90%1.61%1.65%+14 bps
CRE / Total Capitaln/an/an/an/an/an/an/a