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Urban Partnership Bank

Chicago, IL · Cert 59051

FDIC · 7 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

Urban Partnership Bank

Chicago, IL · Cert 59051

FDIC · 7 branches

Q4 2018

$438.8MAssets
$340.2MLoans
$391.3MDeposits
$44.4MEquity
Loan mix
78%RE $241.4M22%C&I $69.0M0%Consumer $0.2MQ4 2017Q4 2018
Deposit mix
73%Interest-bearing $284.7M27%Noninterest $106.6MQ4 2017Q4 2018

NIM

5.14%Q4 ’165.72%Q4 ’175.61%Q4 ’18+14%0%

Non-interest income vs. expense

7.09%Q4 ’165.81%Q4 ’176.58%Q4 ’18-6%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #75 of 189 inst. · $0.4B of $398.0B

0.2% Cook
0.0% Wayne

Executive Summary

  • Earnings: ROA of 0.40%, down 105 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 7.81% of loans (-18 bps YoY), with net recoveries of 0.54%.
  • Capital: tier 1 leverage ratio of 10.42%, up 116 bps from a year ago.
  • Funding: loans stand at 86.92% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.40%-105 bps YoY

Net Interest Margin (YTD, annualized)

5.26%-1 bps YoY

Efficiency Ratio (YTD, annualized)

115.49%+188 bps YoY

Tier 1 Leverage Ratio

10.42%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets1.45%0.74%0.83%0.06%0.40%-105 bps
Return on Equity19.45%8.06%8.77%0.60%4.21%-1,524 bps
Net Interest Margin5.27%4.88%4.90%5.06%5.26%-1 bps
Efficiency Ratio113.61%107.58%106.74%126.41%115.49%+188 bps
Non-Interest Burden6.00%5.28%5.26%6.51%6.14%+15 bps
Growth
Asset Growth (YoY)-14.56%-12.80%-12.07%-8.09%-7.09%+747 bps
Loan Growth (YoY)-7.84%-5.61%-3.64%-2.03%-5.02%+282 bps
Deposit Growth (YoY)-17.18%-15.42%-14.71%-10.51%-7.84%+934 bps
Asset Quality
Nonperforming Loans / Loans7.98%5.05%3.95%4.18%7.81%-18 bps
Net Charge-Offs / Loans-0.79%-0.68%-0.59%-0.61%-0.54%+25 bps
Allowance / Loans3.23%3.13%2.89%2.41%2.41%-82 bps
Allowance Coverage of NPLs0.4x0.6x0.7x0.6x0.3x-0.1x
Capital
Tier 1 Leverage Ratio9.26%9.66%10.27%10.04%10.42%+116 bps
Total Risk-Based Capital12.92%13.51%14.28%13.68%14.79%+187 bps
Equity / Assets9.07%9.39%9.94%9.47%10.11%+104 bps
Liquidity & Funding
Loans / Deposits84.34%85.17%87.95%88.67%86.92%+258 bps
Liquid Assets / Assets5.33%5.99%4.99%7.48%10.12%+480 bps
CRE / Total Capitaln/an/an/an/an/an/an/a