Chicago, IL · Cert 18625
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 | -3.72% | -2.96% | -2.51% | -1.28% | -1.05% | -1.46% | -5.82% | -2.92% | -164 bps | |
| Return on Equity | -40.02% | -32.24% | -27.67% | -15.10% | -12.40% | -17.29% | -76.54% | -83.20% | -6,810 bps | |
| Net Interest Margin | 3.89% | 3.70% | 3.50% | 3.04% | 3.07% | 3.10% | 3.34% | 2.80% | -24 bps | |
| Efficiency Ratio | 109.28% | 113.84% | 118.16% | 105.41% | 107.33% | 123.04% | 126.81% | 207% | +10,180 bps | |
| Non-Interest Burden | 4.34% | 4.33% | 4.23% | 3.36% | 3.45% | 4.01% | 4.45% | 5.35% | +200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.11% | -3.81% | -0.88% | 3.13% | 3.96% | -7.95% | -15.82% | -19.44% | -2,257 bps | |
| Loan Growth (YoY) | -16.36% | -16.46% | -16.27% | -20.27% | -22.69% | -23.49% | -22.71% | -19.09% | +118 bps | |
| Deposit Growth (YoY) | -10.15% | -1.99% | 0.05% | 3.26% | 5.87% | -7.32% | -11.64% | -14.95% | -1,821 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 | 2.20% | 2.39% | 2.72% | 10.36% | 7.93% | 6.43% | 6.03% | 1.72% | -864 bps | |
| Allowance / Loans | 5.73% | 5.66% | 5.77% | 4.48% | 4.39% | 4.72% | 5.02% | 4.95% | +46 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 | 9.75% | 9.45% | 8.79% | 8.12% | 8.08% | 7.15% | 6.56% | 5.53% | -259 bps | |
| Equity / Assets | 9.64% | 8.84% | 8.65% | 8.30% | 8.34% | 8.39% | 3.81% | 3.18% | -512 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.15% | 65.34% | 62.00% | 56.49% | 52.68% | 53.95% | 54.23% | 53.73% | -275 bps | |
| Liquid Assets / Assets | 17.10% | 25.15% | 26.87% | 24.86% | 23.02% | 22.25% | 27.49% | 25.57% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |