Berwyn, IL · Cert 16641
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Berwyn, IL · Cert 16641
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.52% | -5.20% | -4.30% | -2.82% | -2.63% | -2.52% | -7.58% | -3.96% | -114 bps | |
| Return on Equity | -78.59% | -54.93% | -46.18% | -31.71% | -30.08% | -28.51% | -94.43% | -103.91% | -7,220 bps | |
| Net Interest Margin | 4.37% | 4.24% | 4.10% | 3.41% | 3.23% | 3.32% | 3.57% | 3.36% | -5 bps | |
| Efficiency Ratio | 121.64% | 111.14% | 108.18% | 109.24% | 122.74% | 124.81% | 129.28% | 178.41% | +6,917 bps | |
| Non-Interest Burden | 5.24% | 4.78% | 4.53% | 3.90% | 4.16% | 4.35% | 4.86% | 6.06% | +217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 255% | 273% | 282% | -1.72% | -1.30% | -9.49% | -17.98% | -22.06% | -2,035 bps | |
| Loan Growth (YoY) | 273% | 258% | 234% | -28.36% | -27.05% | -26.23% | -24.32% | -17.78% | +1,058 bps | |
| Deposit Growth (YoY) | 272% | 291% | 280% | 0.16% | 0.02% | -9.04% | -14.30% | -17.21% | -1,737 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.92% | 3.73% | 4.76% | 4.93% | 6.15% | 5.85% | 6.60% | 3.95% | -98 bps | |
| Allowance / Loans | 5.69% | 6.27% | 6.33% | 7.62% | 7.18% | 7.36% | 7.04% | 6.96% | -67 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.04% | 8.67% | 8.06% | 8.15% | 6.62% | 6.56% | 6.13% | 4.75% | -340 bps | |
| Equity / Assets | 9.89% | 9.22% | 8.88% | 8.88% | 8.47% | 9.10% | 4.20% | 3.40% | -548 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.95% | 83.80% | 76.76% | 68.24% | 67.06% | 67.96% | 67.79% | 67.77% | -47 bps | |
| Liquid Assets / Assets | 6.16% | 14.26% | 19.26% | 21.15% | 19.56% | 17.23% | 20.36% | 19.15% | -200 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |