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Foster Bank, The

Chicago, IL · Cert 27447

FDIC

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: FFIEC Call Report (031/041/051), 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

Foster Bank, The

Chicago, IL · Cert 27447

FDIC

Q2 2013

$380.5MAssets
$302.1MLoans
$333.2MDeposits
$22.3MEquity
Loan mix
80%RE $179.6M19%C&I $43.3M0%Consumer $0.4MQ2 2012Q2 2013
Deposit mix
69%Interest-bearing $231.1M31%Noninterest $102.2MQ2 2012Q2 2013

NIM

4.87%Q2 ’114.59%Q2 ’123.93%Q2 ’13-2%-14%

Non-interest income vs. expense

3.36%Q2 ’114.07%Q2 ’124.28%Q2 ’13+70%-5%

Executive Summary

  • Earnings: ROA of -0.61%, up 73 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.22%.
  • Funding: loans stand at 90.65% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.61%+73 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-59 bps YoY

Efficiency Ratio (YTD, annualized)

91.81%+818 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-1.35%-2.68%-2.08%-1.06%-0.61%+73 bps
Return on Equity-19.35%-40.41%-32.05%-18.47%-10.60%+875 bps
Net Interest Margin4.09%4.07%4.09%3.50%3.50%-59 bps
Efficiency Ratio83.63%90.01%88.46%87.52%91.81%+818 bps
Non-Interest Burden3.29%3.58%3.53%2.92%3.12%-18 bps
Growth
Asset Growth (YoY)-15.87%-14.45%-11.48%-10.33%-14.33%+154 bps
Loan Growth (YoY)-19.08%-20.68%-18.20%-19.22%-16.54%+254 bps
Deposit Growth (YoY)-15.56%-11.87%-2.91%-2.42%-7.11%+845 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.05%4.39%3.99%3.56%2.22%-82 bps
Allowance / Loans3.37%3.49%3.44%3.23%3.26%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital9.62%8.14%8.44%8.38%8.67%-95 bps
Equity / Assets6.70%5.64%5.75%5.72%5.87%-83 bps
Liquidity & Funding
Loans / Deposits100.90%98.96%91.46%91.70%90.65%-1,024 bps
Liquid Assets / Assets10.92%11.94%12.80%13.79%13.28%+236 bps
CRE / Total Capitaln/an/an/an/an/an/an/a