PackageTrendsPeer
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Edgebrook Bank

Chicago, IL · Cert 57772

FDIC · 1 branch

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Edgebrook Bank

Chicago, IL · Cert 57772

FDIC · 1 branch

Q1 2015

$90.0MAssets
$74.1MLoans
$90.0MDeposits
$-452KEquity
Loan mix
88%RE $60.6M12%C&I $8.2M0%Consumer $0.2MQ1 2014Q1 2015
Deposit mix
96%Interest-bearing $86.8M4%Noninterest $3.2MQ1 2014Q1 2015

NIM

4.65%Q1 ’134.72%Q1 ’143.72%Q1 ’15+5%-27%

Non-interest income vs. expense

3.62%Q1 ’136.05%Q1 ’147.75%Q1 ’15+70%+27%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #162 of 226 inst. · $0.1B of $354.1B

Executive Summary

  • Earnings: ROA of -19.18%, down 1,707 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.82%.
  • Capital: tier 1 leverage ratio of -0.50%.
  • Funding: loans stand at 82.32% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-19.18%-1,707 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-108 bps YoY

Efficiency Ratio (YTD, annualized)

237%+9,435 bps YoY

Tier 1 Leverage Ratio

-0.50%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-2.11%1.15%1.50%0.98%-19.18%-1,707 bps
Return on Equity-88.19%41.51%48.51%29.78%-1029%-94,078 bps
Net Interest Margin4.01%4.52%4.61%4.57%2.94%-108 bps
Efficiency Ratio142.38%92.87%94.53%100.28%237%+9,435 bps
Non-Interest Burden5.81%4.18%4.35%4.58%7.41%+160 bps
Growth
Asset Growth (YoY)4.67%3.39%3.61%7.73%-2.96%-763 bps
Loan Growth (YoY)4.59%6.08%5.99%7.57%-2.28%-688 bps
Deposit Growth (YoY)6.42%4.48%4.42%5.80%-0.02%-645 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.54%0.26%0.17%0.60%11.82%+1,128 bps
Allowance / Loans4.36%3.66%3.08%2.48%4.32%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a-0.50%n/an/a
Total Risk-Based Capital4.67%6.06%6.72%6.52%0.64%-403 bps
Equity / Assets2.30%3.49%4.03%4.10%-0.50%-280 bps
Liquidity & Funding
Loans / Deposits84.23%87.39%85.93%86.60%82.32%-190 bps
Liquid Assets / Assets9.08%7.36%9.67%10.84%12.57%+349 bps
CRE / Total Capitaln/an/an/an/an/an/an/a