Chicago, IL · Charter 20312
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 20312
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 0.04% | -0.19% | -2.72% | -1.80% | 1.97% | -4.61% | -2.82% | -10 bps | |
| Return on Equity | 23.68% | 0.62% | -2.56% | -49.31% | -30.48% | 32.63% | -125.00% | -63.76% | -1,445 bps | |
| Net Interest Margin | 1.83% | 2.64% | 2.35% | 2.53% | 2.54% | 3.22% | 3.76% | 3.74% | +121 bps | |
| Efficiency Ratio | 67.81% | 98.79% | 105.87% | 185.49% | 100.98% | 38.88% | 217% | 173.02% | -1,247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.66% | 4.03% | -2.47% | 4.71% | 4.29% | -1.48% | -6.02% | -11.16% | -1,586 bps | |
| Loan Growth (YoY) | 358% | 272% | 87.44% | 111.91% | -25.60% | -17.50% | -5.89% | -7.74% | -11,966 bps | |
| Share Growth (YoY) | -8.80% | 3.96% | -3.81% | 4.34% | 6.56% | -0.32% | -2.43% | -10.14% | -1,448 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 10.40% | 15.92% | 26.48% | 13.32% | 23.15% | 10.90% | 28.94% | +246 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 | 2.20% | 2.84% | 3.35% | 9.91% | 8.37% | 9.76% | 22.64% | 24.12% | +1,422 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.95% | 7.10% | 7.23% | 5.52% | 5.90% | 6.03% | 3.69% | 4.43% | -109 bps | |
| Net Worth / Assets | 7.95% | 7.10% | 7.23% | 5.52% | 5.90% | 6.03% | 3.69% | 4.43% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.76% | 33.69% | 29.56% | 28.69% | 34.74% | 27.88% | 28.51% | 29.46% | +76 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |