PackageTrendsPeer
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Cole Taylor Bank

Chicago, IL · Cert 22599

FDIC · 11 branches

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Cole Taylor Bank

Chicago, IL · Cert 22599

FDIC · 11 branches

Q2 2014

$6.0BAssets
$4.4BLoans
$4.0BDeposits
$540.1MEquity
Loan mix
48%RE $1.8B52%C&I $1.9B0%Consumer $0.0BQ2 2013Q2 2014
Deposit mix
72%Interest-bearing $2.9B28%Noninterest $1.1BQ2 2013Q2 2014

NIM

3.81%Q2 ’123.34%Q2 ’133.45%Q2 ’14-6%+7%

Non-interest income vs. expense

3.27%Q2 ’123.74%Q2 ’134.12%Q2 ’14-38%+148%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 1.1% share · #14 of 226 inst. · $4.0B of $354.1B

1.8% Cook
0.5% DuPage

Executive Summary

  • Earnings: ROA of 0.77%, down 57 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 109.14% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.77%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+21 bps YoY

Efficiency Ratio (YTD, annualized)

73.33%+1,141 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets1.35%1.27%1.26%0.82%0.77%-57 bps
Return on Equity14.32%13.60%13.54%8.94%8.45%-587 bps
Net Interest Margin2.99%3.02%3.09%3.25%3.19%+21 bps
Efficiency Ratio61.92%63.33%66.21%72.03%73.33%+1,141 bps
Non-Interest Burden0.68%0.90%1.14%1.75%1.69%+101 bps
Growth
Asset Growth (YoY)23.17%17.13%-2.10%-2.12%1.24%-2,193 bps
Loan Growth (YoY)23.44%17.63%0.38%5.02%9.85%-1,359 bps
Deposit Growth (YoY)17.26%4.70%0.61%1.58%6.50%-1,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.05%0.07%0.15%0.19%+21 bps
Allowance / Loans2.09%2.06%1.99%2.03%1.86%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.02%12.63%11.90%12.07%11.77%-125 bps
Equity / Assets9.23%9.25%9.00%9.30%9.07%-16 bps
Liquidity & Funding
Loans / Deposits105.81%109.95%112.24%102.75%109.14%+333 bps
Liquid Assets / Assets7.28%7.06%7.49%7.64%6.67%-61 bps
CRE / Total Capitaln/an/an/an/an/an/an/a