Chicago, IL · Cert 59051
FDIC · 7 branches
Q4 2018
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #75 of 189 inst. · $0.4B of $398.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.51% | 0.74% | 0.92% | -1.54% | 1.47% | -204 bps | |
| Return on Equity | 41.08% | 8.06% | 9.48% | -15.83% | 15.04% | -2,603 bps | |
| Net Interest Margin | 4.89% | 4.88% | 4.72% | 5.25% | 5.83% | +94 bps | |
| Efficiency Ratio | 225% | 107.58% | 105.88% | 163.70% | 87.21% | -13,792 bps | |
| Non-Interest Burden | 8.24% | 5.28% | 5.03% | 8.86% | 5.02% | -322 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 / Loans | 7.98% | 5.05% | 3.95% | 4.18% | 7.81% | -18 bps | |
| Net Charge-Offs / Loans | 1.75% | -0.68% | -0.48% | -0.67% | -0.28% | -203 bps | |
| Allowance / Loans | 3.23% | 3.13% | 2.89% | 2.41% | 2.41% | -82 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.7x | 0.6x | 0.3x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.26% | 9.66% | 10.27% | 10.04% | 10.42% | +116 bps | |
| Total Risk-Based Capital | 12.92% | 13.51% | 14.28% | 13.68% | 14.79% | +187 bps | |
| Equity / Assets | 9.07% | 9.39% | 9.94% | 9.47% | 10.11% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.34% | 85.17% | 87.95% | 88.67% | 86.92% | +258 bps | |
| Liquid Assets / Assets | 5.33% | 5.99% | 4.99% | 7.48% | 10.12% | +480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |