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Limits Depot

Chicago, IL · Charter 2567

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Limits Depot

Chicago, IL · Charter 2567

Q2 2013

$8.1MAssets
$947KLoans
$5.8MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of -4.01%, down 336 bps year over year; NIM at 0.07%.
  • Asset quality: problem loans at 7.21% of loans (-624 bps YoY).
  • Capital: net worth / assets of 29.05%, up 266 bps from a year ago.
  • Funding: loans stand at 16.41% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-4.01%-336 bps YoY

Net Interest Margin (YTD, annualized)

0.07%-42 bps YoY

Efficiency Ratio (YTD, annualized)

1349%+112,191 bps YoY

Net Worth / Assets

29.05%+266 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.79%-0.57%0.01%-0.65%0.16%-1.53%0.32%-4.01%-336 bps
Return on Equity-2.92%-2.13%0.02%-2.45%0.59%-5.53%1.07%-13.79%-1,134 bps
Net Interest Margin1.55%1.63%0.73%0.49%1.46%1.77%1.97%0.07%-42 bps
Efficiency Ratio74.71%80.80%99.21%227%89.46%75.90%84.25%1349%+112,191 bps
Growth
Asset Growth (YoY)-2.19%-0.54%-1.91%1.84%1.28%-7.17%-12.51%-20.59%-2,243 bps
Loan Growth (YoY)-22.80%17.59%32.22%-4.88%-3.54%-15.07%-43.18%-41.09%-3,620 bps
Share Growth (YoY)-0.63%0.29%-2.89%2.46%2.09%-8.14%-14.91%-23.25%-2,571 bps
Asset Quality
Delinquent Loans / Loans12.21%9.82%6.48%13.45%17.40%14.24%21.02%7.21%-624 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.08%2.46%2.20%3.86%15.24%13.71%16.94%15.18%+1,132 bps
Capital
Risk-Based Capital27.11%26.86%27.47%26.39%26.50%27.61%29.63%29.05%+266 bps
Net Worth / Assets27.11%26.86%27.47%26.39%26.50%27.61%29.63%29.05%+266 bps
Liquidity & Funding
Loans / Shares22.84%28.68%35.76%21.38%21.58%26.52%23.88%16.41%-497 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps