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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -1.60% | -0.41% | -0.09% | -0.90% | -0.20% | 3.77% | -11.36% | -1,127 bps | |
| Return on Equity | -5.38% | -15.87% | -3.67% | -0.76% | -5.97% | -1.02% | 12.42% | -19.19% | -1,843 bps | |
| Net Interest Margin | 2.30% | 2.13% | 3.09% | 2.28% | 2.29% | 2.06% | 1.38% | 0.94% | -134 bps | |
| Efficiency Ratio | 121.48% | 175.29% | 109.81% | 101.50% | 138.80% | 65.13% | 538% | 2938% | +283,643 bps | |
| Non-Interest Burden | 2.82% | 3.73% | 3.49% | 2.32% | 3.20% | 0.44% | 7.42% | 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% | 1.29% | 0.00% | 0.19% | -0.69% | 0.00% | 0.00% | -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 |