Chicago, IL · Charter 19944
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Chicago, IL · Charter 19944
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -1.33% | -1.66% | -3.34% | -1.89% | 0.35% | -0.21% | -2.77% | +57 bps | |
| Return on Equity | -5.67% | -10.67% | -13.37% | -29.21% | -21.20% | 3.94% | -2.43% | -32.90% | -369 bps | |
| Net Interest Margin | 3.57% | 3.25% | 3.22% | 2.65% | 2.20% | 2.37% | 2.36% | 0.53% | -212 bps | |
| Efficiency Ratio | 61.22% | 85.04% | 87.00% | 94.81% | 95.61% | 85.30% | 108.90% | 622% | +52,763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.23% | -5.31% | 2.41% | 5.45% | 15.58% | 19.22% | 22.56% | 2.74% | -271 bps | |
| Loan Growth (YoY) | -7.94% | -13.32% | -15.72% | -21.12% | -19.48% | -30.24% | -25.23% | -21.32% | -20 bps | |
| Share Growth (YoY) | -9.30% | -4.41% | 4.89% | 8.56% | 22.15% | 24.58% | 27.57% | 6.79% | -177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.78% | 20.34% | 23.14% | 13.76% | 15.62% | 14.61% | 12.15% | 9.87% | -389 bps | |
| 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 | 9.17% | 9.76% | 11.33% | 11.25% | 9.90% | 4.90% | 4.68% | 1.93% | -932 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.54% | 12.48% | 12.39% | 11.44% | 8.93% | 8.84% | 8.66% | 8.42% | -302 bps | |
| Net Worth / Assets | 13.54% | 12.48% | 12.39% | 11.44% | 8.93% | 8.84% | 8.66% | 8.42% | -302 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.40% | 46.78% | 44.59% | 39.36% | 32.56% | 26.20% | 26.13% | 29.00% | -1,036 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |