Chicago, IL · Cert 30713
FDIC · 1 branch
Q2 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #209 of 218 inst. · $0.0B of $384.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | -0.12% | -0.18% | -0.81% | 0.18% | 0.00% | -0.35% | -0.29% | +52 bps | |
| Return on Equity | 9.88% | -0.97% | -1.45% | -6.83% | 1.48% | 0.00% | -2.98% | -2.50% | +433 bps | |
| Net Interest Margin | 4.64% | 3.29% | 3.27% | 3.24% | 3.33% | 3.32% | 3.14% | 3.06% | -18 bps | |
| Efficiency Ratio | 74.36% | 103.57% | 105.36% | 123.33% | 94.74% | 100.00% | 111.32% | 108.93% | -1,440 bps | |
| Non-Interest Burden | 3.46% | 3.41% | 3.44% | 4.05% | 3.16% | 3.32% | 3.49% | 3.35% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | 1.36% | 1.51% | 1.38% | -0.53% | -1.07% | -1.49% | -1.78% | -316 bps | |
| Loan Growth (YoY) | -13.65% | -7.53% | -10.20% | -2.85% | -8.92% | -9.53% | -9.58% | -9.93% | -708 bps | |
| Deposit Growth (YoY) | -0.03% | 1.36% | 1.46% | 1.32% | -0.47% | -0.96% | -1.30% | -1.60% | -291 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 11.74% | 11.73% | n/a | |
| Total Risk-Based Capital | 39.57% | 39.44% | 39.45% | 38.53% | 40.59% | 40.77% | 40.70% | 41.38% | +285 bps | |
| Equity / Assets | 12.04% | 12.12% | 11.98% | 11.75% | 11.96% | 12.00% | 11.80% | 11.73% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.33% | 41.23% | 40.12% | 39.79% | 37.82% | 37.66% | 36.76% | 36.42% | -337 bps | |
| Liquid Assets / Assets | 49.85% | 51.96% | 49.83% | 51.58% | 52.07% | 52.77% | 54.17% | 57.26% | +567 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |