Cicero, IL · Cert 28462
FDIC · 3 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Cicero, IL · Cert 28462
FDIC · 3 branches
Q2 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #177 of 226 inst. · $0.1B of $354.1B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.30% | -3.23% | -3.48% | -3.17% | -3.46% | -3.56% | -2.76% | -2.54% | +63 bps | |
| Return on Equity | n/a | n/a | -62.09% | -60.61% | -71.20% | -79.75% | -110.58% | -113.86% | -5,325 bps | |
| Net Interest Margin | 3.64% | 3.52% | 3.53% | 3.51% | 3.65% | 3.78% | 3.73% | 3.58% | +7 bps | |
| Efficiency Ratio | 137.17% | 124.23% | 135.27% | 148.48% | 172.75% | 176.32% | 186.57% | 174.77% | +2,629 bps | |
| Non-Interest Burden | 5.52% | 4.82% | 5.26% | 5.84% | 6.57% | 6.83% | 6.49% | 6.14% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.56% | 26.26% | 13.55% | 9.29% | 1.89% | -8.73% | -10.44% | -13.71% | -2,300 bps | |
| Loan Growth (YoY) | 37.45% | 37.85% | 16.73% | 5.73% | -13.94% | -17.38% | -19.56% | -24.36% | -3,009 bps | |
| Deposit Growth (YoY) | 23.33% | 29.06% | 19.16% | 9.87% | 5.07% | -5.57% | -7.46% | -7.43% | -1,730 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 | 0.80% | 0.62% | 2.14% | 1.06% | 1.74% | 1.69% | 0.70% | 0.36% | -71 bps | |
| Allowance / Loans | 1.96% | 2.03% | 2.14% | 2.06% | 1.68% | 1.62% | 1.57% | 1.66% | -40 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 | 9.16% | 8.56% | 8.05% | 6.98% | 5.90% | 4.75% | 3.98% | 3.36% | -363 bps | |
| Equity / Assets | 6.61% | 5.98% | 5.22% | 4.49% | 3.69% | 2.79% | 2.19% | 1.68% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.68% | 86.80% | 83.58% | 86.96% | 75.92% | 75.95% | 72.65% | 71.06% | -1,591 bps | |
| Liquid Assets / Assets | 5.73% | 11.48% | 13.03% | 11.75% | 15.85% | 15.40% | 18.02% | 19.30% | +754 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |