Cicero, IL · Cert 28462
FDIC · 3 branches
Q2 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #177 of 226 inst. · $0.1B 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.17% | -3.46% | -3.56% | -2.76% | -2.54% | +63 bps | |
| Return on Equity | -60.61% | -71.20% | -79.75% | -110.58% | -113.86% | -5,325 bps | |
| Net Interest Margin | 3.51% | 3.65% | 3.78% | 3.73% | 3.58% | +7 bps | |
| Efficiency Ratio | 148.48% | 172.75% | 176.32% | 186.57% | 174.77% | +2,629 bps | |
| Non-Interest Burden | 5.84% | 6.57% | 6.83% | 6.49% | 6.14% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.29% | 1.89% | -8.73% | -10.44% | -13.71% | -2,300 bps | |
| Loan Growth (YoY) | 5.73% | -13.94% | -17.38% | -19.56% | -24.36% | -3,009 bps | |
| Deposit Growth (YoY) | 9.87% | 5.07% | -5.57% | -7.46% | -7.43% | -1,730 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.06% | 1.74% | 1.69% | 0.70% | 0.36% | -71 bps | |
| Allowance / Loans | 2.06% | 1.68% | 1.62% | 1.57% | 1.66% | -40 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 6.98% | 5.90% | 4.75% | 3.98% | 3.36% | -363 bps | |
| Equity / Assets | 4.49% | 3.69% | 2.79% | 2.19% | 1.68% | -281 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.96% | 75.92% | 75.95% | 72.65% | 71.06% | -1,591 bps | |
| Liquid Assets / Assets | 11.75% | 15.85% | 15.40% | 18.02% | 19.30% | +754 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |