Chicago, IL · Cert 29416
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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 | 0.56%1 | 0.29%1 | 0.11%1 | -0.51% | -1.67% | -0.57% | -0.73% | -84 bps | |
| Return on Equity | 2.23% | 2.62% | 1.29% | 0.50% | -2.14% | -6.80% | -2.39% | -3.03% | -353 bps | |
| Net Interest Margin | 3.46% | 3.24% | 3.19% | 3.00% | 3.06% | 2.97% | 2.72% | 2.73% | -26 bps | |
| Efficiency Ratio | 93.75% | 109.46% | 133.57% | 118.11% | 119.67% | 166.67% | 143.69% | 144.00% | +2,589 bps | |
| Non-Interest Burden | 3.24% | 3.54% | 4.27% | 3.54% | 3.66% | 4.95% | 3.93% | 3.93% | +40 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 |