Chicago, IL · Cert 27986
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 27986
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.04% | -3.35% | -2.15% | -2.13% | -2.24% | -2.82% | -3.16% | -5.51% | -338 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 2.98% | 2.93% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 137.19% | 147.99% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 4.23% | 4.43% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.27% | -10.78% | -5.95% | -2.71% | -3.99% | -5.63% | -6.69% | -9.80% | -709 bps | |
| Loan Growth (YoY) | -11.88% | -12.21% | -12.13% | -11.25% | -10.95% | -10.21% | -7.81% | -8.69% | +257 bps | |
| Deposit Growth (YoY) | -2.18% | 3.10% | 7.19% | 3.95% | 0.01% | -4.06% | -3.54% | -5.56% | -951 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 | n/a | n/a | n/a | n/a | n/a | n/a | 2.85% | 5.08% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 2.53% | 2.91% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 2.73% | -1.28% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 1.23% | -0.71% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.39% | 92.18% | 87.31% | 85.49% | 84.05% | 86.27% | 83.44% | 82.66% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 9.15% | 5.27% | +527 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |