Chicago, IL · Cert 28774
FDIC · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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 28774
FDIC · 1 branch
Q3 2020
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2020 SOD (annual) · 0.0% share · #148 of 172 inst. · $0.0B of $516.4B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | -0.90% | -1.56% | -1.73% | -7.03% | -640 bps | |
| Return on Equity | -2.25% | -3.20% | -5.46% | -6.25% | -26.66% | -2,440 bps | |
| Net Interest Margin | 3.05% | 3.01% | 2.37% | 2.03% | 1.86% | -119 bps | |
| Efficiency Ratio | 123.61% | 138.56% | 211% | 230% | 410% | +28,593 bps | |
| Non-Interest Burden | 3.77% | 4.17% | 5.02% | 4.70% | 7.68% | +391 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.06% | -8.08% | -7.46% | 3.84% | 3.84% | +1,291 bps | |
| Loan Growth (YoY) | -17.58% | -18.81% | -22.42% | -25.00% | -27.07% | -949 bps | |
| Deposit Growth (YoY) | -11.99% | -10.11% | -9.09% | -1.85% | 0.70% | +1,269 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.57% | 4.64% | 6.25% | 5.24% | 9.58% | +501 bps | |
| Net Charge-Offs / Loans | 0.90% | 0.71% | -0.02% | -0.02% | -0.51% | -141 bps | |
| Allowance / Loans | 1.26% | 1.33% | 1.12% | 1.12% | 2.11% | +86 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 28.54% | 28.58% | 28.48% | 26.69% | 21.86% | -668 bps | |
| Total Risk-Based Capital | 117.36% | 116.94% | 118.57% | 116.70% | 106.51% | -1,084 bps | |
| Equity / Assets | 29.11% | 28.66% | 28.65% | 25.98% | 22.41% | -670 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.64% | 53.38% | 50.00% | 44.57% | 41.02% | -1,562 bps | |
| Liquid Assets / Assets | 58.43% | 60.51% | 62.41% | 67.75% | 71.41% | +1,298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |