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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.54% | 1.82% | 3.51% | 0.74% | 0.92% | -1.54% | 1.47% | -204 bps | |
| Return on Equity | 2.65% | 7.64% | 23.63% | 41.08% | 8.06% | 9.48% | -15.83% | 15.04% | -2,603 bps | |
| Net Interest Margin | 4.93% | 5.09% | 4.74% | 4.89% | 4.88% | 4.72% | 5.25% | 5.83% | +94 bps | |
| Efficiency Ratio | 90.97% | 90.77% | 109.30% | 225% | 107.58% | 105.88% | 163.70% | 87.21% | -13,792 bps | |
| Non-Interest Burden | 4.45% | 4.60% | 5.34% | 8.24% | 5.28% | 5.03% | 8.86% | 5.02% | -322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.44% | -16.41% | -15.61% | -14.56% | -12.80% | -12.07% | -8.09% | -7.09% | +747 bps | |
| Loan Growth (YoY) | -11.91% | -12.77% | -12.92% | -7.84% | -5.61% | -3.64% | -2.03% | -5.02% | +282 bps | |
| Deposit Growth (YoY) | -18.69% | -16.99% | -17.16% | -17.18% | -15.42% | -14.71% | -10.51% | -7.84% | +934 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 8.48% | 8.33% | 8.69% | 7.98% | 5.05% | 3.95% | 4.18% | 7.81% | -18 bps | |
| Net Charge-Offs / Loans | -0.87% | -3.30% | -0.69% | 1.75% | -0.68% | -0.48% | -0.67% | -0.28% | -203 bps | |
| Allowance / Loans | 5.20% | 6.17% | 5.88% | 3.23% | 3.13% | 2.89% | 2.41% | 2.41% | -82 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.7x | 0.4x | 0.6x | 0.7x | 0.6x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.66% | 7.10% | 7.89% | 9.26% | 9.66% | 10.27% | 10.04% | 10.42% | +116 bps | |
| Total Risk-Based Capital | 10.69% | 11.19% | 11.95% | 12.92% | 13.51% | 14.28% | 13.68% | 14.79% | +187 bps | |
| Equity / Assets | 6.77% | 7.33% | 8.05% | 9.07% | 9.39% | 9.94% | 9.47% | 10.11% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.32% | 77.84% | 81.00% | 84.34% | 85.17% | 87.95% | 88.67% | 86.92% | +258 bps | |
| Liquid Assets / Assets | 5.88% | 4.98% | 7.25% | 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 | n/a | n/a | n/a |