Chicago, IL · Cert 29416
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 29416
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45%1 | 0.50%1 | 0.43%1 | 0.36%1 | -0.51% | -1.06% | -0.90% | -0.86% | -122 bps | |
| Return on Equity | 2.23% | 2.42% | 2.04% | 1.65% | -2.14% | -4.43% | -3.77% | -3.59% | -525 bps | |
| Net Interest Margin | 3.46% | 3.37% | 3.42% | 3.39% | 3.06% | 3.12% | 2.99% | 2.96% | -42 bps | |
| Efficiency Ratio | 93.75% | 101.30% | 111.38% | 112.87% | 119.67% | 142.06% | 142.56% | 142.89% | +3,002 bps | |
| Non-Interest Burden | 3.24% | 3.41% | 3.81% | 3.82% | 3.66% | 4.43% | 4.27% | 4.24% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.36% | -11.40% | -12.99% | -13.19% | -19.77% | -18.85% | -15.31% | -20.44% | -725 bps | |
| Loan Growth (YoY) | -5.09% | -6.59% | -7.94% | -8.48% | -13.21% | -13.38% | -19.84% | -19.56% | -1,107 bps | |
| Deposit Growth (YoY) | -6.97% | -6.35% | -4.98% | -10.67% | -8.56% | -7.57% | -8.94% | -7.28% | +340 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.13% | 0.13% | 0.14% | 0.14% | 0.15% | 0.15% | 0.17% | 0.18% | +3 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 | 65.73% | 67.80% | 71.78% | 71.88% | 80.87% | 79.04% | 82.28% | 84.44% | +1,256 bps | |
| Equity / Assets | 20.79% | 21.78% | 23.54% | 22.68% | 25.42% | 23.71% | 23.87% | 24.15% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.36% | 49.26% | 47.74% | 49.95% | 47.80% | 46.17% | 42.02% | 43.33% | -661 bps | |
| Liquid Assets / Assets | 0.18% | 0.11% | 0.28% | 0.09% | 0.11% | 3.17% | 8.23% | 5.89% | +580 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |