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Plaza Bank

Norridge, IL · Cert 18055

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Plaza Bank

Norridge, IL · Cert 18055

FDIC

Q1 2013

$326.7MAssets
$243.0MLoans
$308.0MDeposits
$11.7MEquity
Loan mix
97%RE $188.1M3%C&I $5.0M0%Consumer $0.2MQ1 2012Q1 2013
Deposit mix
83%Interest-bearing $255.2M17%Noninterest $52.8MQ1 2012Q1 2013

NIM

4.51%Q1 ’114.27%Q1 ’124.18%Q1 ’13-2%+3%

Non-interest income vs. expense

3.12%Q1 ’113.49%Q1 ’124.23%Q1 ’13-15%+32%

Executive Summary

  • Earnings: ROA of -1.81%, down 18 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.72%.
  • Funding: loans stand at 78.88% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.81%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+10 bps YoY

Efficiency Ratio (YTD, annualized)

111.49%+2,400 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-1.63%-1.39%-1.40%-4.17%-1.81%-18 bps
Return on Equity-22.56%-19.37%-19.74%-63.81%-47.91%-2,535 bps
Net Interest Margin3.77%3.78%3.88%4.03%3.86%+10 bps
Efficiency Ratio87.49%91.35%92.87%92.97%111.49%+2,400 bps
Non-Interest Burden3.27%3.44%3.59%3.74%4.30%+103 bps
Growth
Asset Growth (YoY)0.50%-2.87%-8.21%-10.43%-14.27%-1,477 bps
Loan Growth (YoY)1.58%-0.78%-2.97%-11.11%-14.87%-1,645 bps
Deposit Growth (YoY)-1.69%-2.52%-8.29%-7.16%-9.95%-826 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.26%3.70%4.28%4.45%1.72%-154 bps
Allowance / Loans4.96%4.86%4.53%4.49%4.73%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital8.43%8.05%7.43%6.69%6.19%-224 bps
Equity / Assets6.94%7.07%6.89%3.97%3.60%-335 bps
Liquidity & Funding
Loans / Deposits83.43%82.62%81.96%79.99%78.88%-456 bps
Liquid Assets / Assets18.66%16.91%16.33%17.32%17.56%-110 bps
CRE / Total Capitaln/an/an/an/an/an/an/a