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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.35% | 0.82% | 1.45% | 0.74% | 0.83% | 0.06% | 0.40% | -105 bps | |
| Return on Equity | 2.65% | 5.17% | 11.52% | 19.45% | 8.06% | 8.77% | 0.60% | 4.21% | -1,524 bps | |
| Net Interest Margin | 4.93% | 5.12% | 5.14% | 5.27% | 4.88% | 4.90% | 5.06% | 5.26% | -1 bps | |
| Efficiency Ratio | 90.97% | 90.87% | 96.73% | 113.61% | 107.58% | 106.74% | 126.41% | 115.49% | +188 bps | |
| Non-Interest Burden | 4.45% | 4.63% | 5.00% | 6.00% | 5.28% | 5.26% | 6.51% | 6.14% | +15 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% | -2.10% | -1.64% | -0.79% | -0.68% | -0.59% | -0.61% | -0.54% | +25 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 |