Chicago, IL · Charter 2529
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.28% | -1.47% | -1.43% | -2.06% | -0.95% | -1.54% | -3.49% | -1.87% | +18 bps | |
| Return on Equity | -3.56% | -4.12% | -4.02% | -5.83% | -2.65% | -4.24% | -9.79% | -5.08% | +75 bps | |
| Net Interest Margin | 2.45% | 2.12% | 2.17% | 2.27% | 2.66% | 1.87% | 2.36% | 2.51% | +24 bps | |
| Efficiency Ratio | 148.82% | 163.36% | 159.39% | 156.77% | 133.10% | 172.98% | 183.46% | 132.03% | -2,474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -4.27% | -4.61% | -2.94% | -4.63% | -6.84% | -9.40% | -9.01% | -608 bps | |
| Loan Growth (YoY) | 3.31% | -5.14% | -15.70% | -20.17% | -21.47% | -14.69% | -18.98% | 3.29% | +2,346 bps | |
| Share Growth (YoY) | -2.71% | -4.10% | -4.30% | -1.45% | -4.32% | -7.95% | -9.88% | -11.13% | -969 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.63% | 5.71% | 6.40% | 3.30% | 6.01% | 8.06% | 2.77% | 4.25% | +95 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 | 1.94% | 2.13% | 2.09% | 2.38% | 3.07% | 3.31% | 4.35% | 3.43% | +105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.93% | 35.79% | 35.59% | 35.26% | 35.73% | 36.31% | 35.65% | 36.88% | +162 bps | |
| Net Worth / Assets | 35.93% | 35.79% | 35.59% | 35.26% | 35.73% | 36.31% | 35.65% | 36.88% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.27% | 23.95% | 24.44% | 25.94% | 20.74% | 22.19% | 21.97% | 30.15% | +421 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |