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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -0.88% | -0.70% | -0.29% | -1.75% | -1.56% | -1.92% | -17.14% | -1,684 bps | |
| Return on Equity | 0.62% | -3.22% | -2.51% | -1.03% | -6.05% | -5.46% | -7.05% | -70.75% | -6,972 bps | |
| Net Interest Margin | 3.15% | 3.02% | 3.04% | 2.84% | 2.72% | 2.37% | 1.81% | 1.63% | -121 bps | |
| Efficiency Ratio | 94.55% | 140.88% | 104.07% | 125.78% | 189.55% | 211% | 254% | 843% | +71,755 bps | |
| Non-Interest Burden | 2.97% | 4.26% | 3.16% | 3.57% | 5.18% | 5.02% | 4.61% | 13.89% | +1,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.51% | -7.99% | -9.76% | -9.06% | -8.08% | -7.46% | 3.84% | 3.84% | +1,291 bps | |
| Loan Growth (YoY) | 23.73% | 26.23% | -13.19% | -17.58% | -18.81% | -22.42% | -25.00% | -27.07% | -949 bps | |
| Deposit Growth (YoY) | -10.08% | -10.69% | -12.87% | -11.99% | -10.11% | -9.09% | -1.85% | 0.70% | +1,269 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.82% | 4.73% | 4.31% | 4.57% | 4.64% | 6.25% | 5.24% | 9.58% | +501 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.13% | 2.40% | -0.02% | -0.02% | -0.02% | -0.02% | -1.47% | -146 bps | |
| Allowance / Loans | 1.34% | 1.35% | 1.35% | 1.26% | 1.33% | 1.12% | 1.12% | 2.11% | +86 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 27.14% | 27.50% | 27.97% | 28.54% | 28.58% | 28.48% | 26.69% | 21.86% | -668 bps | |
| Total Risk-Based Capital | 99.72% | 102.71% | 109.35% | 117.36% | 116.94% | 118.57% | 116.70% | 106.51% | -1,084 bps | |
| Equity / Assets | 27.20% | 27.53% | 28.33% | 29.11% | 28.66% | 28.65% | 25.98% | 22.41% | -670 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.10% | 58.59% | 58.33% | 56.64% | 53.38% | 50.00% | 44.57% | 41.02% | -1,562 bps | |
| Liquid Assets / Assets | 56.18% | 56.33% | 56.81% | 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 | n/a | n/a | n/a |