Chicago, IL · Cert 27447
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.96% | -11.19% | -1.28% | -1.43% | -5.44% | -0.14% | -1.06% | -0.15% | +128 bps | |
| Return on Equity | -31.39% | -135.86% | -18.05% | -20.70% | -87.93% | -2.44% | -18.47% | -2.56% | +1,814 bps | |
| Net Interest Margin | 3.95% | 4.03% | 4.08% | 4.00% | 3.78% | 3.61% | 3.50% | 3.39% | -61 bps | |
| Efficiency Ratio | 67.80% | 116.01% | 84.40% | 82.92% | 103.99% | 82.96% | 87.52% | 96.41% | +1,349 bps | |
| Non-Interest Burden | 2.37% | 4.64% | 3.37% | 3.13% | 3.96% | 2.88% | 2.92% | 3.23% | +10 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 | 3.82% | 12.49% | 0.72% | 5.33% | 6.77% | 2.05% | 3.56% | 0.76% | -457 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 |