Chicago, IL · Cert 34613
FDIC · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 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 34613
FDIC · 1 branch
Q1 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #156 of 208 inst. · $0.1B of $391.1B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -0.95% | -0.83% | -0.09% | -0.46% | -0.39% | 0.21% | -11.36% | -1,127 bps | |
| Return on Equity | -6.81% | -9.78% | -8.30% | -0.76% | -3.36% | -2.58% | 1.21% | -19.19% | -1,843 bps | |
| Net Interest Margin | 2.27% | 2.35% | 2.77% | 2.28% | 2.57% | 2.97% | 3.54% | 0.94% | -134 bps | |
| Efficiency Ratio | 127.89% | 141.94% | 131.08% | 101.50% | 116.41% | 97.22% | 128.90% | 2938% | +283,643 bps | |
| Non-Interest Burden | 2.92% | 3.35% | 3.72% | 2.32% | 3.05% | 2.86% | 4.93% | 14.56% | +1,224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.60% | -19.33% | -27.24% | -32.95% | -47.56% | -55.20% | -72.16% | -86.63% | -5,368 bps | |
| Loan Growth (YoY) | -9.64% | -24.15% | -34.12% | -38.76% | -53.18% | -67.07% | -88.96% | -87.96% | -4,920 bps | |
| Deposit Growth (YoY) | -9.33% | -17.79% | -24.23% | -35.61% | -51.92% | -61.56% | -82.16% | -100.00% | -6,439 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% | 0.43% | 0.36% | 0.19% | -0.22% | -0.25% | -0.62% | -1.77% | -196 bps | |
| Allowance / Loans | 2.03% | 2.13% | 2.35% | 2.73% | 3.87% | 6.65% | 5.00% | 5.86% | +313 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 | 9.58% | 9.98% | 11.21% | 12.33% | 15.17% | 20.17% | 29.83% | 70.26% | +5,794 bps | |
| Total Risk-Based Capital | 13.05% | 14.12% | 15.57% | 18.15% | 25.41% | 44.61% | 90.64% | 109.23% | +9,108 bps | |
| Equity / Assets | 9.59% | 10.64% | 11.72% | 13.36% | 17.10% | 23.27% | 43.08% | 97.60% | +8,425 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.17% | 58.18% | 60.11% | 58.39% | 58.60% | 49.85% | 37.20% | n/a | n/a | |
| Liquid Assets / Assets | 7.84% | 6.25% | 3.80% | 3.26% | 6.41% | 52.86% | 59.50% | 11.18% | +792 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |