Chicago, IL · Cert 27447
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 27447
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -3.25% | -1.28% | -1.35% | -2.68% | -2.08% | -1.06% | -0.61% | +73 bps | |
| Return on Equity | -8.78% | -36.36% | -18.05% | -19.35% | -40.41% | -32.05% | -18.47% | -10.60% | +875 bps | |
| Net Interest Margin | 4.13% | 4.34% | 4.08% | 4.09% | 4.07% | 4.09% | 3.50% | 3.50% | -59 bps | |
| Efficiency Ratio | 62.57% | 72.08% | 84.40% | 83.63% | 90.01% | 88.46% | 87.52% | 91.81% | +818 bps | |
| Non-Interest Burden | 2.10% | 2.86% | 3.37% | 3.29% | 3.58% | 3.53% | 2.92% | 3.12% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.14% | -12.71% | -18.42% | -15.87% | -14.45% | -11.48% | -10.33% | -14.33% | +154 bps | |
| Loan Growth (YoY) | -11.23% | -16.67% | -17.05% | -19.08% | -20.68% | -18.20% | -19.22% | -16.54% | +254 bps | |
| Deposit Growth (YoY) | -11.67% | -14.52% | -19.91% | -15.56% | -11.87% | -2.91% | -2.42% | -7.11% | +845 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 | 2.70% | 5.32% | 0.72% | 3.05% | 4.39% | 3.99% | 3.56% | 2.22% | -82 bps | |
| Allowance / Loans | 2.91% | 3.23% | 3.73% | 3.37% | 3.49% | 3.44% | 3.23% | 3.26% | -11 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 | 12.12% | 9.54% | 9.50% | 9.62% | 8.14% | 8.44% | 8.38% | 8.67% | -95 bps | |
| Equity / Assets | 9.36% | 7.05% | 7.12% | 6.70% | 5.64% | 5.75% | 5.72% | 5.87% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.95% | 108.55% | 110.77% | 100.90% | 98.96% | 91.46% | 91.70% | 90.65% | -1,024 bps | |
| Liquid Assets / Assets | 4.54% | 5.68% | 4.66% | 10.92% | 11.94% | 12.80% | 13.79% | 13.28% | +236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |