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Delaware Place Bank

Chicago, IL · Cert 22370

FDIC · 1 branch

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Delaware Place Bank

Chicago, IL · Cert 22370

FDIC · 1 branch

Q2 2018

$246.9MAssets
$160.7MLoans
$215.9MDeposits
$24.7MEquity
Loan mix
30%RE $43.1M70%C&I $100.6M0%Consumer $0.4MQ2 2017Q2 2018
Deposit mix
70%Interest-bearing $151.1M30%Noninterest $64.8MQ2 2017Q2 2018

NIM

3.05%Q2 ’163.16%Q2 ’173.41%Q2 ’18+5%+2%

Non-interest income vs. expense

3.02%Q2 ’162.60%Q2 ’172.68%Q2 ’18-10%-6%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #99 of 189 inst. · $0.2B of $398.0B

Executive Summary

  • Earnings: ROA of 0.48%, up 24 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.73% of loans (+34 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.30%, down 17 bps from a year ago.
  • Funding: loans stand at 74.45% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.48%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+6 bps YoY

Efficiency Ratio (YTD, annualized)

89.36%-722 bps YoY

Tier 1 Leverage Ratio

8.30%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.24%0.20%-0.09%0.15%0.48%+24 bps
Return on Equity2.36%1.95%-0.89%1.54%4.82%+246 bps
Net Interest Margin2.84%2.79%2.76%2.84%2.90%+6 bps
Efficiency Ratio96.58%96.31%98.61%81.66%89.36%-722 bps
Non-Interest Burden2.69%2.63%2.67%2.24%2.52%-17 bps
Growth
Asset Growth (YoY)1.51%6.67%5.97%5.78%-1.04%-255 bps
Loan Growth (YoY)13.12%5.18%2.60%3.42%-2.96%-1,608 bps
Deposit Growth (YoY)-2.76%4.12%3.40%11.01%2.13%+489 bps
Asset Quality
Nonperforming Loans / Loans1.39%1.42%1.61%1.58%1.73%+34 bps
Net Charge-Offs / Loans0.08%0.05%0.05%-0.01%-0.01%-9 bps
Allowance / Loans1.64%1.68%1.67%1.64%1.51%-13 bps
Allowance Coverage of NPLs1.2x1.2x1.0x1.0x0.9x-0.3x
Capital
Tier 1 Leverage Ratio8.47%8.25%7.93%8.10%8.30%-17 bps
Total Risk-Based Capital11.41%11.85%11.67%11.67%12.16%+75 bps
Equity / Assets9.90%9.97%9.75%9.88%9.99%+9 bps
Liquidity & Funding
Loans / Deposits78.36%75.92%75.29%76.75%74.45%-391 bps
Liquid Assets / Assets8.32%9.74%10.79%9.07%12.23%+391 bps
CRE / Total Capitaln/an/an/an/an/an/an/a