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Mid-City National Bank of Chicago, The

Chicago, IL · Cert 3628

FDIC · 92 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mid-City National Bank of Chicago, The

Chicago, IL · Cert 3628

FDIC · 92 branches

Q1 2019

$19.6BAssets
$13.7BLoans
$14.8BDeposits
$3.5BEquity
Deposit mix
60%Interest-bearing $8.9B40%Noninterest $5.9BQ1 2018Q1 2019

NIM

3.30%Q1 ’173.56%Q1 ’180.40%Q1 ’19+2%-89%

Non-interest income vs. expense

3.55%Q1 ’173.69%Q1 ’181.12%Q1 ’19+7%-28%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 3.8% share · #7 of 189 inst. · $15.1B of $398.0B

5.1% Cook
4.0% DuPage
3.1% Lake
1.0% Kane

Executive Summary

  • Earnings: ROA of -0.53%, down 177 bps year over year; NIM at 0.34%.
  • Asset quality: problem loans at 1.03% of loans (-23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.04%, down 183 bps from a year ago.
  • Funding: loans stand at 92.37% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.53%-177 bps YoY

Net Interest Margin (YTD, annualized)

0.34%-279 bps YoY

Efficiency Ratio (YTD, annualized)

248%+18,044 bps YoY

Tier 1 Leverage Ratio

8.04%-183 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.23%1.06%1.04%1.18%-0.53%-177 bps
Return on Equity8.39%7.18%7.08%8.00%-3.28%-1,167 bps
Net Interest Margin3.13%3.15%3.21%3.28%0.34%-279 bps
Efficiency Ratio67.51%71.25%70.06%68.03%248%+18,044 bps
Non-Interest Burden1.41%1.69%1.67%1.60%1.01%-40 bps
Growth
Asset Growth (YoY)5.49%0.13%-1.93%0.55%-2.52%-802 bps
Loan Growth (YoY)7.77%-0.62%-4.25%-2.99%-5.64%-1,340 bps
Deposit Growth (YoY)7.87%5.65%2.57%-2.74%-2.01%-988 bps
Asset Quality
Nonperforming Loans / Loans1.25%1.40%1.44%1.44%1.03%-23 bps
Net Charge-Offs / Loans0.10%0.12%0.35%0.32%0.00%-10 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.87%9.73%9.92%10.35%8.04%-183 bps
Total Risk-Based Capital12.76%12.79%12.83%13.05%9.81%-295 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits95.91%94.40%94.37%95.39%92.37%-355 bps
Liquid Assets / Assets4.64%4.64%4.70%4.48%0.00%-464 bps
CRE / Total Capitaln/an/an/an/an/an/an/a