Bridgeview, IL · Cert 21122
FDIC · 16 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bridgeview, IL · Cert 21122
FDIC · 16 branches
Q1 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.3% share · #41 of 189 inst. · $1.0B of $398.0B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.12% | 0.20% | 0.73% | 0.84% | 1.02% | 0.12% | 0.43% | -30 bps | |
| Return on Equity | 8.13% | 9.34% | 1.66% | 6.60% | 7.72% | 9.31% | 1.07% | 3.89% | -271 bps | |
| Net Interest Margin | 3.63% | 3.57% | 3.48% | 3.60% | 3.56% | 3.56% | 3.60% | 3.40% | -20 bps | |
| Efficiency Ratio | 83.48% | 83.36% | 88.75% | 89.79% | 88.66% | 87.08% | 97.16% | 82.60% | -719 bps | |
| Non-Interest Burden | 1.47% | 1.40% | 2.03% | 2.42% | 2.29% | 2.07% | 3.28% | 2.73% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.13% | -3.34% | 7.28% | 11.26% | 14.83% | 10.35% | 6.75% | -5.17% | -1,643 bps | |
| Loan Growth (YoY) | -5.44% | -6.30% | 4.12% | 10.30% | 11.63% | 9.76% | 2.60% | -13.77% | -2,407 bps | |
| Deposit Growth (YoY) | 3.51% | 4.76% | 6.46% | 4.34% | 9.87% | 12.23% | 5.35% | 1.69% | -265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.62% | 0.71% | 0.68% | 0.37% | 0.43% | 0.39% | 0.95% | +27 bps | |
| Net Charge-Offs / Loans | 0.62% | 0.37% | 0.29% | -0.01% | 0.30% | 0.25% | 0.20% | -0.03% | -2 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.92% | 1.00% | 0.81% | 0.81% | 0.85% | 1.02% | +2 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.5x | 1.3x | 1.5x | 2.2x | 1.9x | 2.2x | 1.1x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 11.10% | 10.05% | 10.28% | 10.17% | 10.51% | 9.75% | 10.19% | -9 bps | |
| Total Risk-Based Capital | 14.71% | 15.21% | 14.16% | 14.46% | 14.07% | 14.70% | 14.26% | 15.10% | +64 bps | |
| Equity / Assets | 12.22% | 12.10% | 11.17% | 10.94% | 10.68% | 11.00% | 10.54% | 11.54% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.48% | 89.61% | 88.94% | 90.36% | 91.93% | 87.64% | 86.61% | 76.63% | -1,374 bps | |
| Liquid Assets / Assets | 3.95% | 3.86% | 1.48% | 1.51% | 1.73% | 1.90% | 1.61% | 1.65% | +14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |