Waukegan, IL · Cert 28243
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.
Waukegan, IL · Cert 28243
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 | -1.79% | -1.52% | -6.72% | -3.75% | -2.57% | -2.11% | -2.80% | -5.35% | -160 bps | |
| Return on Equity | -34.13% | -29.74% | -184.52% | -110.12% | -77.13% | -64.76% | -115.19% | -320% | -21,031 bps | |
| Net Interest Margin | 2.78% | 2.84% | 2.83% | 2.90% | 2.97% | 3.08% | 3.23% | 3.18% | +28 bps | |
| Efficiency Ratio | 117.05% | 119.19% | 166.17% | 140.24% | 125.24% | 122.61% | 154.34% | 190.65% | +5,040 bps | |
| Non-Interest Burden | 3.36% | 3.51% | 5.07% | 4.33% | 3.94% | 3.98% | 5.72% | 6.94% | +261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.25% | -8.54% | -6.74% | -6.62% | -6.42% | -5.97% | -4.54% | -7.30% | -68 bps | |
| Loan Growth (YoY) | -4.71% | -6.58% | -10.65% | -10.40% | -10.03% | -4.49% | 0.20% | -0.42% | +998 bps | |
| Deposit Growth (YoY) | -2.55% | -3.64% | -5.32% | -3.12% | -3.68% | -2.85% | -1.82% | -6.27% | -315 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 | 1.84% | 1.42% | 5.50% | 2.76% | 1.88% | 1.38% | 0.80% | 0.57% | -218 bps | |
| Allowance / Loans | 0.74% | 0.92% | 1.23% | 1.28% | 1.45% | 1.56% | 1.49% | 2.39% | +110 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 | 8.44% | 8.62% | 6.48% | 6.23% | 6.07% | 5.70% | 4.56% | 0.65% | -558 bps | |
| Equity / Assets | 5.04% | 4.51% | 2.76% | 2.92% | 3.12% | 2.90% | 1.97% | 0.05% | -287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.08% | 86.11% | 81.32% | 82.11% | 84.14% | 84.66% | 83.00% | 87.24% | +513 bps | |
| Liquid Assets / Assets | 4.80% | 6.84% | 7.18% | 5.19% | 6.52% | 7.14% | 7.83% | 4.52% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |