Chicago, IL · Cert 57772
FDIC · 1 branch
Q1 2015
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #162 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -1.38% | -8.94% | -2.11% | 4.31% | 2.18% | -0.53% | -19.18% | -1,707 bps | |
| Return on Equity | 2.82% | -28.49% | -241% | -88.19% | 148.71% | 57.90% | -13.05% | -1029% | -94,078 bps | |
| Net Interest Margin | 3.97% | 4.24% | 4.46% | 4.01% | 4.99% | 4.99% | 4.53% | 2.94% | -108 bps | |
| Efficiency Ratio | 96.88% | 109.31% | 106.64% | 142.38% | 52.82% | 97.45% | 117.56% | 237% | +9,435 bps | |
| Non-Interest Burden | 3.84% | 4.65% | 4.77% | 5.81% | 2.49% | 4.86% | 5.38% | 7.41% | +160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.34% | -2.64% | -0.63% | 4.67% | 3.39% | 3.61% | 7.73% | -2.96% | -763 bps | |
| Loan Growth (YoY) | -2.07% | -3.45% | 5.15% | 4.59% | 6.08% | 5.99% | 7.57% | -2.28% | -688 bps | |
| Deposit Growth (YoY) | -0.92% | -2.42% | 1.29% | 6.42% | 4.48% | 4.42% | 5.80% | -0.02% | -645 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 | 0.53% | -0.01% | 1.61% | 0.54% | 0.00% | -0.01% | 1.87% | 11.82% | +1,128 bps | |
| Allowance / Loans | 2.00% | 1.91% | 4.58% | 4.36% | 3.66% | 3.08% | 2.48% | 4.32% | -4 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 | -0.50% | n/a | n/a |
| Total Risk-Based Capital | 8.86% | 9.20% | 5.59% | 4.67% | 6.06% | 6.72% | 6.52% | 0.64% | -403 bps | |
| Equity / Assets | 4.76% | 4.90% | 2.49% | 2.30% | 3.49% | 4.03% | 4.10% | -0.50% | -280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.08% | 84.66% | 85.18% | 84.23% | 87.39% | 85.93% | 86.60% | 82.32% | -190 bps | |
| Liquid Assets / Assets | 9.38% | 9.43% | 6.75% | 9.08% | 7.36% | 9.67% | 10.84% | 12.57% | +349 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |