Norridge, IL · Cert 18055
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 | -1.93% | -1.87% | -1.98% | -1.63% | -1.39% | -1.40% | -4.17% | -1.81% | -18 bps | |
| Return on Equity | -22.57% | -22.31% | -24.08% | -22.56% | -19.37% | -19.74% | -63.81% | -47.91% | -2,535 bps | |
| Net Interest Margin | 3.91% | 3.90% | 3.74% | 3.77% | 3.78% | 3.88% | 4.03% | 3.86% | +10 bps | |
| Efficiency Ratio | 88.22% | 84.22% | 87.56% | 87.49% | 91.35% | 92.87% | 92.97% | 111.49% | +2,400 bps | |
| Non-Interest Burden | 3.49% | 3.30% | 3.30% | 3.27% | 3.44% | 3.59% | 3.74% | 4.30% | +103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | 2.18% | -1.62% | 0.50% | -2.87% | -8.21% | -10.43% | -14.27% | -1,477 bps | |
| Loan Growth (YoY) | -8.73% | -9.24% | -2.21% | 1.58% | -0.78% | -2.97% | -11.11% | -14.87% | -1,645 bps | |
| Deposit Growth (YoY) | 2.14% | 4.74% | 0.05% | -1.69% | -2.52% | -8.29% | -7.16% | -9.95% | -826 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 | 1.43% | 1.09% | 1.90% | 3.26% | 3.70% | 4.28% | 4.45% | 1.72% | -154 bps | |
| Allowance / Loans | 3.81% | 4.98% | 4.77% | 4.96% | 4.86% | 4.53% | 4.49% | 4.73% | -23 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 | 12.11% | 11.33% | 9.50% | 8.43% | 8.05% | 7.43% | 6.69% | 6.19% | -224 bps | |
| Equity / Assets | 8.54% | 7.88% | 7.53% | 6.94% | 7.07% | 6.89% | 3.97% | 3.60% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.17% | 77.46% | 83.55% | 83.43% | 82.62% | 81.96% | 79.99% | 78.88% | -456 bps | |
| Liquid Assets / Assets | 19.29% | 23.32% | 17.48% | 18.66% | 16.91% | 16.33% | 17.32% | 17.56% | -110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |