Bridgeview Bank and Trust

Bridgeview, IL · Cert 21122

FDIC · 16 branches

Q1 2019

$1.1BAssets

$761.7MLoans

$994.1MDeposits

$132.1MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q1 2018	Q2 2018	Q3 2018	Q4 2018	Q1 2019	YoY Δ	Trend
Earnings
Return on Assets	0.73%	0.84%	1.02%	0.12%	0.43%	-30 bps
Return on Equity	6.60%	7.72%	9.31%	1.07%	3.89%	-271 bps
Net Interest Margin	3.60%	3.56%	3.56%	3.60%	3.40%	-20 bps
Efficiency Ratio	89.79%	88.66%	87.08%	97.16%	82.60%	-719 bps
Non-Interest Burden	2.42%	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 / Loans	0.68%	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 / Loans	1.00%	0.81%	0.81%	0.85%	1.02%	+2 bps
Allowance Coverage of NPLs	1.5x	2.2x	1.9x	2.2x	1.1x	-0.4x
Capital
Tier 1 Leverage Ratio	10.28%	10.17%	10.51%	9.75%	10.19%	-9 bps
Total Risk-Based Capital	14.46%	14.07%	14.70%	14.26%	15.10%	+64 bps
Equity / Assets	10.94%	10.68%	11.00%	10.54%	11.54%	+61 bps
Liquidity & Funding
Loans / Deposits	90.36%	91.93%	87.64%	86.61%	76.63%	-1,374 bps
Liquid Assets / Assets	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