Chicago, IL · Cert 22370
FDIC · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 22370
FDIC · 1 branch
Q2 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #99 of 189 inst. · $0.2B 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03%1 | 0.04%1 | 0.09% | 0.24% | 0.20% | -0.09% | 0.15% | 0.48% | +24 bps | |
| Return on Equity | 0.27% | 0.41% | 0.91% | 2.36% | 1.95% | -0.89% | 1.54% | 4.82% | +246 bps | |
| Net Interest Margin | 2.77% | 2.89% | 3.00% | 2.84% | 2.79% | 2.76% | 2.84% | 2.90% | +6 bps | |
| Efficiency Ratio | 114.29% | 110.02% | 98.26% | 96.58% | 96.31% | 98.61% | 81.66% | 89.36% | -722 bps | |
| Non-Interest Burden | 3.11% | 3.11% | 2.88% | 2.69% | 2.63% | 2.67% | 2.24% | 2.52% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.22% | -11.56% | -7.99% | 1.51% | 6.67% | 5.97% | 5.78% | -1.04% | -255 bps | |
| Loan Growth (YoY) | -3.71% | 4.14% | 10.66% | 13.12% | 5.18% | 2.60% | 3.42% | -2.96% | -1,608 bps | |
| Deposit Growth (YoY) | -11.54% | -12.77% | -13.32% | -2.76% | 4.12% | 3.40% | 11.01% | 2.13% | +489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.66% | 1.39% | 1.42% | 1.61% | 1.58% | 1.73% | +34 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | -0.01% | 0.08% | 0.05% | 0.05% | -0.01% | -0.01% | -9 bps | |
| Allowance / Loans | 1.96% | 1.92% | 1.90% | 1.64% | 1.68% | 1.67% | 1.64% | 1.51% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.1x | 1.2x | 1.2x | 1.0x | 1.0x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.31% | 8.54% | 8.65% | 8.47% | 8.25% | 7.93% | 8.10% | 8.30% | -17 bps | |
| Total Risk-Based Capital | 11.68% | 11.62% | 11.75% | 11.41% | 11.85% | 11.67% | 11.67% | 12.16% | +75 bps | |
| Equity / Assets | 10.62% | 10.28% | 10.50% | 9.90% | 9.97% | 9.75% | 9.88% | 9.99% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.15% | 75.87% | 82.38% | 78.36% | 75.92% | 75.29% | 76.75% | 74.45% | -391 bps | |
| Liquid Assets / Assets | 3.81% | 3.79% | 3.65% | 8.32% | 9.74% | 10.79% | 9.07% | 12.23% | +391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |