Schaumburg, IL · Cert 29539
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Schaumburg, IL · Cert 29539
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.64% | -2.88% | -2.77% | -2.94% | -3.11% | -1.32% | -1.48% | -1.40% | +153 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -34.84% | -39.87% | -39.31% | n/a | |
| Net Interest Margin | n/a | 2.92% | 2.97% | 3.07% | 3.15% | 2.97% | 3.06% | 3.03% | -4 bps | |
| Efficiency Ratio | n/a | 131.55% | 122.49% | 130.01% | 132.87% | 119.20% | 128.99% | 138.09% | +808 bps | |
| Non-Interest Burden | n/a | 3.93% | 3.76% | 4.07% | 4.34% | 3.69% | 4.14% | 4.40% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.23% | -21.48% | -17.68% | -17.24% | -16.48% | -13.15% | -14.74% | -7.72% | +952 bps | |
| Loan Growth (YoY) | -22.89% | -20.77% | -21.62% | -21.06% | -16.67% | -20.22% | -19.86% | -21.21% | -15 bps | |
| Deposit Growth (YoY) | -19.17% | -22.25% | -16.35% | -14.76% | -13.39% | -9.49% | -13.80% | -7.09% | +767 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 | 1.99% | 5.18% | 4.94% | 4.55% | 2.36% | 1.56% | 1.56% | -338 bps | |
| Allowance / Loans | n/a | 5.29% | 4.27% | 4.15% | 4.28% | 4.13% | 4.32% | 4.11% | -4 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 | n/a | 10.56% | 10.01% | 9.21% | 8.39% | 8.28% | 8.23% | 8.27% | -93 bps | |
| Equity / Assets | n/a | 5.73% | 5.30% | 4.83% | 3.93% | 3.67% | 3.49% | 3.15% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.25% | 106.46% | 100.92% | 100.77% | 98.38% | 93.85% | 93.82% | 85.46% | -1,531 bps | |
| Liquid Assets / Assets | 0.00% | 10.93% | 12.34% | 11.31% | 13.85% | 16.16% | 16.72% | 23.53% | +1,222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |