Chicago, IL · Charter 64413
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.31% | -2.99% | -3.14% | -3.30% | -3.05% | -2.32% | -2.81% | -3.16% | +14 bps | |
| Return on Equity | -23.85% | -17.18% | -18.28% | -19.79% | -18.35% | -14.27% | -17.86% | -20.58% | -79 bps | |
| Net Interest Margin | 3.07% | 3.05% | 3.13% | 3.27% | 3.33% | 3.32% | 3.27% | 3.40% | +13 bps | |
| Efficiency Ratio | 190.98% | 176.26% | 174.19% | 165.00% | 163.50% | 155.62% | 162.30% | 162.16% | -284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.45% | -7.60% | -6.92% | -6.30% | -8.00% | -9.01% | -7.46% | -8.58% | -229 bps | |
| Loan Growth (YoY) | 0.68% | 1.12% | -3.21% | -12.53% | -10.90% | -12.87% | -12.37% | -6.79% | +574 bps | |
| Share Growth (YoY) | -5.66% | -5.63% | -4.91% | -4.18% | -6.37% | -7.77% | -5.96% | -7.12% | -294 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.32% | 5.52% | 5.10% | 1.30% | 2.09% | 1.97% | 2.81% | 2.85% | +155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.63% | 4.68% | 4.82% | 3.50% | 3.41% | 3.81% | 3.69% | 4.37% | +86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.07% | 17.42% | 17.17% | 16.69% | 16.60% | 16.29% | 15.70% | 15.34% | -134 bps | |
| Net Worth / Assets | 18.07% | 17.42% | 17.17% | 16.69% | 16.60% | 16.29% | 15.70% | 15.34% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.99% | 55.92% | 56.53% | 53.43% | 54.24% | 52.83% | 52.68% | 53.62% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |