Chicago, IL · Cert 28144
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 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 28144
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.76% | -4.28% | -4.10% | -3.83% | -3.85% | -8.47% | -6.72% | -5.60% | -177 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 | 2.54% | 2.56% | 2.60% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 178.06% | 237% | 230% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 4.85% | 6.21% | 6.10% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.92% | -17.71% | -18.23% | -17.67% | -14.31% | -15.70% | -12.53% | -9.81% | +786 bps | |
| Loan Growth (YoY) | -9.75% | -15.79% | -17.69% | -17.06% | -13.99% | 1.19% | -0.45% | -3.39% | +1,367 bps | |
| Deposit Growth (YoY) | -16.71% | -13.32% | -12.51% | -13.74% | -11.77% | -12.16% | -8.51% | -5.44% | +830 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 | 11.79% | 6.62% | 4.84% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 3.55% | 3.37% | 3.53% | 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 | 5.61% | 3.39% | 1.06% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 2.43% | 1.30% | 0.55% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.24% | 54.25% | 58.01% | 59.99% | 59.70% | 62.50% | 63.12% | 61.28% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.49% | 6.53% | 5.31% | +531 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |