Chicago, IL · Charter 21153
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.84% | 0.81% | -0.42% | -0.52% | -0.72% | -1.60% | -1.83% | -1.86% | -134 bps | |
| Return on Equity | -5.73% | 5.83% | -3.12% | -3.91% | -5.25% | -12.35% | -14.88% | -15.00% | -1,109 bps | |
| Net Interest Margin | 2.45% | 2.29% | 2.02% | 1.99% | 1.98% | 1.88% | 1.64% | 1.66% | -33 bps | |
| Efficiency Ratio | 121.17% | 76.48% | 105.68% | 109.76% | 114.98% | 109.66% | 135.02% | 141.47% | +3,171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | 1.00% | 2.20% | 2.00% | 1.61% | -1.69% | -1.84% | -5.60% | -760 bps | |
| Loan Growth (YoY) | 20.41% | 1.40% | -14.20% | -22.75% | -23.75% | -14.97% | -14.98% | -24.26% | -151 bps | |
| Share Growth (YoY) | -3.67% | 1.79% | 3.44% | 3.14% | 2.54% | -0.52% | -0.55% | -4.61% | -776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 1.92% | 1.14% | 1.47% | 2.40% | 2.52% | 2.48% | 1.43% | -4 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 | 1.48% | 2.34% | 2.33% | 2.41% | 2.41% | 2.88% | 2.27% | 0.80% | -161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.66% | 13.97% | 13.44% | 13.32% | 13.70% | 12.92% | 12.31% | 12.41% | -91 bps | |
| Net Worth / Assets | 14.66% | 13.97% | 13.44% | 13.32% | 13.70% | 12.92% | 12.31% | 12.41% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.51% | 23.05% | 22.85% | 22.13% | 23.44% | 19.71% | 19.53% | 17.57% | -456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |