Chicago, IL · Cert 35431
FDIC · 2 branches
Q4 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #166 of 226 inst. · $0.1B of $354.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.74% | -0.46% | -0.57% | -2.54% | -2.88% | -2.61% | -3.36% | 12.37% | +1,491 bps | |
| Return on Equity | -61.92% | -10.43% | -12.71% | -58.39% | -67.97% | -63.01% | -92.21% | 239% | +29,781 bps | |
| Net Interest Margin | 3.53% | 3.58% | 3.89% | 4.17% | 4.59% | 4.63% | 4.62% | 1.56% | -261 bps | |
| Efficiency Ratio | 109.69% | 94.30% | 97.25% | 127.97% | 118.44% | 103.26% | 129.50% | 32.35% | -9,562 bps | |
| Non-Interest Burden | 4.20% | 3.16% | 3.69% | 5.83% | 5.68% | 4.90% | 6.59% | -11.11% | -1,694 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.52% | -33.80% | -31.33% | -25.34% | -30.07% | -30.94% | -32.53% | -40.49% | -1,515 bps | |
| Loan Growth (YoY) | -44.74% | -33.51% | -36.18% | -12.26% | -9.64% | -29.20% | -19.87% | -70.80% | -5,854 bps | |
| Deposit Growth (YoY) | -32.61% | -33.42% | -29.76% | -24.35% | -31.86% | -33.51% | -35.34% | -39.49% | -1,514 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 | 3.13% | 1.29% | 2.02% | 5.10% | 5.43% | 4.51% | 1.10% | 7.25% | +215 bps | |
| Allowance / Loans | 3.14% | 2.99% | 2.95% | 2.44% | 1.76% | 1.92% | 2.00% | 2.76% | +31 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.80% | 8.19% | 8.07% | 7.84% | 6.85% | 6.73% | 5.28% | 23.19% | +1,536 bps | |
| Equity / Assets | 4.39% | 4.52% | 4.53% | 4.16% | 4.32% | 3.95% | 3.32% | 7.39% | +324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.52% | 69.25% | 67.70% | 64.42% | 81.58% | 73.74% | 83.89% | 31.08% | -3,334 bps | |
| Liquid Assets / Assets | 29.55% | 21.86% | 23.29% | 27.89% | 11.82% | 14.32% | 5.11% | 49.85% | +2,197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |