Chicago, IL · Cert 22476
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 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 · Cert 22476
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.32% | -1.90% | -2.40% | -2.39% | -2.20% | -4.50% | -4.86% | -2.47% | -8 bps | |
| Return on Equity | -21.69% | -29.94% | -38.01% | -39.82% | -48.46% | -115.42% | -150.30% | -84.76% | -4,494 bps | |
| Net Interest Margin | 4.14% | 3.90% | 3.78% | 3.85% | 3.38% | 3.36% | 3.49% | 3.40% | -45 bps | |
| Efficiency Ratio | 102.32% | 114.91% | 133.33% | 122.76% | 129.13% | 165.84% | 168.09% | 148.51% | +2,575 bps | |
| Non-Interest Burden | 4.34% | 4.65% | 5.25% | 5.13% | 4.56% | 6.06% | 6.15% | 5.42% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.50% | -13.20% | -15.24% | -7.07% | -11.38% | -7.50% | -6.00% | -8.01% | -94 bps | |
| Loan Growth (YoY) | -13.67% | -15.75% | -19.27% | -17.60% | -16.54% | -14.21% | -8.65% | -9.43% | +817 bps | |
| Deposit Growth (YoY) | -7.55% | -12.40% | -11.58% | -10.21% | -9.37% | -3.12% | -0.73% | -4.06% | +616 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 | 1.70% | 2.16% | 3.61% | 2.92% | 2.53% | 1.27% | 1.62% | 1.09% | -183 bps | |
| Allowance / Loans | 2.20% | 2.01% | 0.93% | 2.49% | 2.34% | 3.30% | 3.92% | 3.97% | +148 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 | 10.70% | 11.26% | 8.79% | 8.32% | 7.57% | 4.86% | 2.79% | 3.48% | -484 bps | |
| Equity / Assets | 6.49% | 6.94% | 6.20% | 4.71% | 4.34% | 2.58% | 1.19% | 1.57% | -314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.88% | 82.13% | 77.08% | 79.36% | 73.56% | 72.73% | 70.93% | 74.92% | -444 bps | |
| Liquid Assets / Assets | 9.21% | 5.00% | 8.05% | 10.31% | 12.34% | 5.18% | 6.33% | 0.06% | -1,025 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |