Chicago, IL · Cert 22599
FDIC · 11 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 22599
FDIC · 11 branches
Q2 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 1.1% share · #14 of 226 inst. · $4.0B of $354.1B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.39% | 1.30% | 1.35% | 1.27% | 1.26% | 0.82% | 0.77% | -57 bps | |
| Return on Equity | 12.50% | 13.90% | 13.72% | 14.32% | 13.60% | 13.54% | 8.94% | 8.45% | -587 bps | |
| Net Interest Margin | 3.09% | 2.95% | 3.03% | 2.99% | 3.02% | 3.09% | 3.25% | 3.19% | +21 bps | |
| Efficiency Ratio | 62.38% | 61.23% | 62.21% | 61.92% | 63.33% | 66.21% | 72.03% | 73.33% | +1,141 bps | |
| Non-Interest Burden | 0.93% | 0.72% | 0.82% | 0.68% | 0.90% | 1.14% | 1.75% | 1.69% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.86% | 24.00% | 23.09% | 23.17% | 17.13% | -2.10% | -2.12% | 1.24% | -2,193 bps | |
| Loan Growth (YoY) | 16.09% | 31.87% | 24.98% | 23.44% | 17.63% | 0.38% | 5.02% | 9.85% | -1,359 bps | |
| Deposit Growth (YoY) | 21.90% | 15.22% | 29.22% | 17.26% | 4.70% | 0.61% | 1.58% | 6.50% | -1,076 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.23% | 0.76% | 0.04% | -0.02% | -0.05% | 0.07% | 0.15% | 0.19% | +21 bps | |
| Allowance / Loans | 2.27% | 2.00% | 2.11% | 2.09% | 2.06% | 1.99% | 2.03% | 1.86% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.60% | 13.05% | 13.33% | 13.02% | 12.63% | 11.90% | 12.07% | 11.77% | -125 bps | |
| Equity / Assets | 10.18% | 9.33% | 9.63% | 9.23% | 9.25% | 9.00% | 9.30% | 9.07% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.86% | 112.50% | 99.39% | 105.81% | 109.95% | 112.24% | 102.75% | 109.14% | +333 bps | |
| Liquid Assets / Assets | 6.57% | 6.29% | 7.26% | 7.28% | 7.06% | 7.49% | 7.64% | 6.67% | -61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |