Chicago, IL · Cert 30570
FDIC · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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 30570
FDIC · 2 branches
Q3 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.0% share · #128 of 196 inst. · $0.1B of $395.0B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.76% | 1.63% | 1.53% | 1.52% | 1.36% | 1.41% | 1.44% | -9 bps | |
| Return on Equity | 11.72% | 14.58% | 13.45% | 12.55% | 12.40% | 10.86% | 11.27% | 11.46% | -109 bps | |
| Net Interest Margin | 4.30% | 4.36% | 4.34% | 4.27% | 4.20% | 4.31% | 4.20% | 4.26% | -1 bps | |
| Efficiency Ratio | 48.65% | 43.88% | 44.64% | 46.48% | 46.44% | 49.74% | 47.20% | 46.58% | +10 bps | |
| Non-Interest Burden | 2.02% | 1.85% | 1.87% | 1.92% | 1.88% | 2.09% | 1.93% | 1.93% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 7.42% | 9.13% | 10.45% | 7.93% | 7.76% | 8.47% | 8.85% | -160 bps | |
| Loan Growth (YoY) | 8.30% | 6.35% | 5.55% | 6.09% | 5.14% | 6.65% | 8.11% | 7.97% | +188 bps | |
| Deposit Growth (YoY) | 5.16% | 6.60% | 8.73% | 10.25% | 7.27% | 7.22% | 8.03% | 8.42% | -182 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.46% | 0.46% | 0.47% | 0.46% | 0.46% | 0.45% | 0.44% | 0.43% | -3 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 | 11.84% | 12.00% | 12.09% | 12.22% | 12.35% | 12.45% | 12.35% | 12.64% | +42 bps | |
| Total Risk-Based Capital | 23.79% | 24.43% | 25.20% | 24.98% | 25.23% | 25.47% | 25.47% | 25.45% | +47 bps | |
| Equity / Assets | 11.95% | 12.14% | 12.22% | 12.34% | 12.47% | 12.57% | 12.55% | 12.66% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.00% | 96.01% | 94.60% | 95.31% | 95.07% | 95.50% | 94.67% | 94.91% | -40 bps | |
| Liquid Assets / Assets | 9.83% | 10.86% | 12.66% | 12.32% | 12.97% | 12.45% | 12.75% | 12.25% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |