Chicago, IL · Cert 3628
FDIC · 92 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 3628
FDIC · 92 branches
Q1 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 3.8% share · #7 of 189 inst. · $15.1B of $398.0B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.12% | 1.58% | 1.23% | 1.06% | 1.04% | 1.18% | -0.53% | -177 bps | |
| Return on Equity | 7.47% | 7.93% | 11.07% | 8.39% | 7.18% | 7.08% | 8.00% | -3.28% | -1,167 bps | |
| Net Interest Margin | 3.07% | 3.06% | 3.04% | 3.13% | 3.15% | 3.21% | 3.28% | 0.34% | -279 bps | |
| Efficiency Ratio | 67.55% | 66.59% | 67.95% | 67.51% | 71.25% | 70.06% | 68.03% | 248% | +18,044 bps | |
| Non-Interest Burden | 1.41% | 1.35% | 1.42% | 1.41% | 1.69% | 1.67% | 1.60% | 1.01% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.70% | 4.09% | 4.17% | 5.49% | 0.13% | -1.93% | 0.55% | -2.52% | -802 bps | |
| Loan Growth (YoY) | 29.81% | 8.69% | 7.63% | 7.77% | -0.62% | -4.25% | -2.99% | -5.64% | -1,340 bps | |
| Deposit Growth (YoY) | 23.93% | 1.07% | 7.36% | 7.87% | 5.65% | 2.57% | -2.74% | -2.01% | -988 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.22% | 1.57% | 1.25% | 1.40% | 1.44% | 1.44% | 1.03% | -23 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.03% | 0.10% | 0.12% | 0.35% | 0.32% | 0.00% | -10 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 9.43% | 9.39% | 9.90% | 9.87% | 9.73% | 9.92% | 10.35% | 8.04% | -183 bps | |
| Total Risk-Based Capital | 11.22% | 11.29% | 13.03% | 12.76% | 12.79% | 12.83% | 13.05% | 9.81% | -295 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.36% | 101.10% | 95.63% | 95.91% | 94.40% | 94.37% | 95.39% | 92.37% | -355 bps | |
| Liquid Assets / Assets | 5.15% | 4.96% | 4.79% | 4.64% | 4.64% | 4.70% | 4.48% | 0.00% | -464 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |