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Second Federal Savings and Loan Association of Chicago

Chicago, IL · Cert 27986

FDIC

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Second Federal Savings and Loan Association of Chicago

Chicago, IL · Cert 27986

FDIC

Q2 2012

$190.9MAssets
$141.9MLoans
$171.6MDeposits
$-1347KEquity
Deposit mix
91%Interest-bearing $156.4M9%Noninterest $15.2MQ2 2011Q2 2012

NIM

3.95%Q1 ’123.88%Q2 ’12-2%

Non-interest income vs. expense

4.60%Q1 ’124.63%Q2 ’12+5%

Executive Summary

  • Earnings: ROA of -5.51%, down 338 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.08%.
  • Funding: loans stand at 82.66% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-5.51%-338 bps YoY

Net Interest Margin (YTD, annualized)

2.93%

Efficiency Ratio (YTD, annualized)

147.99%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-2.13%-2.24%-2.82%-3.16%-5.51%-338 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.98%2.93%n/a
Efficiency Ration/an/an/a137.19%147.99%n/a
Non-Interest Burdenn/an/an/a4.23%4.43%n/a
Growth
Asset Growth (YoY)-2.71%-3.99%-5.63%-6.69%-9.80%-709 bps
Loan Growth (YoY)-11.25%-10.95%-10.21%-7.81%-8.69%+257 bps
Deposit Growth (YoY)3.95%0.01%-4.06%-3.54%-5.56%-951 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a2.85%5.08%n/a
Allowance / Loansn/an/an/a2.53%2.91%n/a
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 Capitaln/an/an/a2.73%-1.28%n/a
Equity / Assetsn/an/an/a1.23%-0.71%n/a
Liquidity & Funding
Loans / Deposits85.49%84.05%86.27%83.44%82.66%-283 bps
Liquid Assets / Assets0.00%0.00%0.00%9.15%5.27%+527 bps
CRE / Total Capitaln/an/an/an/an/an/an/a