Chicago, IL · Cert 28053
FDIC · 4 branches
Q1 2016
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #145 of 218 inst. · $0.1B of $384.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.33% | -0.72% | -2.15% | -1.71% | -1.32% | -1.53% | -1.14% | -1.74% | -3 bps | |
| Return on Equity | -33.25% | -18.98% | -61.06% | -52.71% | -45.38% | -58.10% | -48.18% | -84.47% | -3,176 bps | |
| Net Interest Margin | 2.40% | 2.36% | 2.29% | 2.54% | 2.49% | 2.46% | 2.52% | 2.41% | -13 bps | |
| Efficiency Ratio | 148.06% | 150.29% | 160.72% | 155.75% | 143.66% | 152.06% | 173.44% | 158.33% | +258 bps | |
| Non-Interest Burden | 3.82% | 3.81% | 4.04% | 4.26% | 3.82% | 3.99% | 4.85% | 4.12% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.89% | -8.55% | -10.10% | -11.15% | -10.55% | -10.98% | -8.76% | -8.95% | +220 bps | |
| Loan Growth (YoY) | -10.29% | -8.93% | -11.84% | -13.04% | -12.78% | -13.89% | -12.69% | -13.42% | -38 bps | |
| Deposit Growth (YoY) | -3.97% | -6.47% | -9.77% | -11.94% | -11.64% | -11.01% | -6.48% | -6.82% | +513 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 | 0.34% | 0.72% | 2.22% | 0.34% | 0.30% | 0.07% | 0.38% | -0.24% | -58 bps | |
| Allowance / Loans | 3.96% | 3.94% | 3.65% | 3.62% | 3.61% | 3.78% | 3.33% | 3.48% | -15 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 | 3.02% | 2.73% | 2.42% | 2.20% | 1.77% | -125 bps | |
| Total Risk-Based Capital | 8.76% | 8.71% | 7.95% | 7.09% | 6.51% | 6.00% | 5.60% | 4.81% | -228 bps | |
| Equity / Assets | 3.93% | 3.63% | 3.40% | 3.10% | 2.74% | 2.53% | 2.20% | 1.92% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.30% | 74.30% | 73.66% | 73.29% | 73.35% | 71.90% | 68.77% | 68.10% | -519 bps | |
| Liquid Assets / Assets | 13.55% | 13.13% | 13.00% | 13.35% | 13.39% | 13.89% | 15.19% | 16.12% | +278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |