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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.41% | -0.36% | -3.48% | -2.87% | -4.02% | -3.89% | -2.76% | -2.32% | +56 bps | |
| Return on Equity | -97.43% | -5.69% | -62.09% | -59.20% | -98.11% | -120.04% | -110.58% | -119.60% | -6,040 bps | |
| Net Interest Margin | 3.97% | 3.65% | 3.53% | 3.44% | 3.79% | 3.73% | 3.73% | 3.34% | -10 bps | |
| Efficiency Ratio | 125.70% | 95.65% | 135.27% | 162.97% | 276% | 189.34% | 186.57% | 163.99% | +103 bps | |
| Non-Interest Burden | 5.57% | 3.47% | 5.26% | 6.33% | 7.81% | 6.81% | 6.49% | 5.63% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.56% | 26.26% | 13.55% | 9.29% | 1.89% | -8.73% | -10.44% | -13.71% | -2,300 bps | |
| Loan Growth (YoY) | 37.45% | 37.85% | 16.73% | 5.73% | -13.94% | -17.38% | -19.56% | -24.36% | -3,009 bps | |
| Deposit Growth (YoY) | 23.33% | 29.06% | 19.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.15% | 0.15% | 2.14% | 0.00% | 2.77% | 1.46% | 0.70% | -0.02% | -2 bps | |
| Allowance / Loans | 1.96% | 2.03% | 2.14% | 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 | 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 | 9.16% | 8.56% | 8.05% | 6.98% | 5.90% | 4.75% | 3.98% | 3.36% | -363 bps | |
| Equity / Assets | 6.61% | 5.98% | 5.22% | 4.49% | 3.69% | 2.79% | 2.19% | 1.68% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.68% | 86.80% | 83.58% | 86.96% | 75.92% | 75.95% | 72.65% | 71.06% | -1,591 bps | |
| Liquid Assets / Assets | 5.73% | 11.48% | 13.03% | 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 | n/a | n/a | n/a |