Chicago, IL · Cert 58514
FDIC · 1 branch
Q3 2020
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2020 SOD (annual) · 0.0% share · #135 of 172 inst. · $0.1B of $516.4B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.08% | 0.15% | 0.12% | 0.23% | 0.14%1 | 0.09%1 | 0.14% | +2 bps | |
| Return on Equity | 4.32% | 0.89% | 1.60% | 1.23% | 2.33% | 1.35% | 0.83% | 1.32% | +9 bps | |
| Net Interest Margin | 2.85% | 2.52% | 2.59% | 2.55% | 2.55% | 2.15% | 2.06% | 2.14% | -42 bps | |
| Efficiency Ratio | 68.99% | 89.62% | 88.91% | 88.86% | 84.40% | 102.73% | 100.50% | 94.90% | +604 bps | |
| Non-Interest Burden | 1.95% | 2.25% | 2.29% | 2.26% | 2.13% | 2.21% | 2.07% | 2.03% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.37% | 2.96% | -1.82% | -8.03% | -10.72% | -7.83% | -5.10% | -9.94% | -192 bps | |
| Loan Growth (YoY) | -7.64% | -6.55% | -12.79% | -9.50% | -8.22% | -9.73% | -11.75% | -19.55% | -1,005 bps | |
| Deposit Growth (YoY) | 12.51% | 2.79% | -2.71% | -9.37% | -12.16% | -9.00% | -9.39% | -15.03% | -566 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 1.26% | 0.98% | 0.88% | 0.01% | 0.03% | 0.02% | 0.03% | -85 bps | |
| Net Charge-Offs / Loans | 0.44% | 0.24% | 0.37% | 0.33% | 0.27% | 0.10% | 0.12% | 0.10% | -23 bps | |
| Allowance / Loans | 0.74% | 0.74% | 0.74% | 0.75% | 0.74% | 0.73% | 0.77% | 0.83% | +8 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.8x | 0.9x | 63.5x | 27.3x | 33.7x | 25.9x | +25.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.35% | 9.76% | 9.91% | 10.40% | 10.91% | 10.01% | 10.63% | +72 bps | |
| Total Risk-Based Capital | 13.40% | 13.84% | 14.83% | 14.74% | 15.02% | 15.65% | 16.05% | 17.72% | +298 bps | |
| Equity / Assets | 9.42% | 9.63% | 9.89% | 10.23% | 10.79% | 10.71% | 9.96% | 10.91% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.09% | 81.07% | 77.42% | 80.76% | 83.68% | 80.42% | 75.41% | 76.46% | -430 bps | |
| Liquid Assets / Assets | 14.72% | 14.43% | 18.59% | 8.18% | 7.47% | 17.78% | 26.48% | 18.01% | +983 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |