Chicago Lee

Chicago, IL · Charter 16836

Q4 2011

$1KAssets

$0KLoans

$0KShares

$1KNet Worth

Executive Summary

Earnings: ROA of -16337.44%, down 1,633,627 bps year over year; NIM at -15900.00%.
Capital: net worth / assets of 100.00%, up 7,353 bps from a year ago.

Return on Assets (YTD, annualized)

-16337%-1,633,627 bps YoY

Net Interest Margin (YTD, annualized)

-15900%-1,590,025 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+7,353 bps YoY

Year to date, annualized, through each quarter.

Metric	Q3 2009	Q4 2009	Q1 2010	Q3 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	YoY Δ	Trend
Earnings
Return on Assets	-0.05%	-1.49%	-0.01%	-1.17%	0.06%	-0.97%	-0.66%	-16337%	-1,633,627 bps
Return on Equity	-0.16%	-5.50%	-0.04%	-4.41%	0.22%	-3.47%	-2.38%	-16337%	-1,633,302 bps
Net Interest Margin	0.67%	-0.17%	0.20%	0.25%	0.14%	0.08%	0.06%	-15900%	-1,590,025 bps
Efficiency Ratio	106.99%	n/a	104.76%	n/a	56.60%	1251%	1120%	n/a	n/a
Growth
Asset Growth (YoY)	-0.33%	-1.57%	-0.48%	-1.61%	-1.71%	-1.46%	-1.47%	-99.83%	-9,821 bps
Loan Growth (YoY)	-100.00%	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	1.64%	2.03%	1.00%	1.00%	1.00%	1.00%	0.00%	-100.00%	-10,100 bps
Asset Quality
Delinquent Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
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	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Risk-Based Capital	28.36%	27.11%	27.11%	26.47%	28.25%	27.89%	27.88%	100.00%	+7,353 bps
Net Worth / Assets	28.36%	27.11%	27.11%	26.47%	28.25%	27.89%	27.88%	100.00%	+7,353 bps
Liquidity & Funding
Loans / Shares	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps