Schaumburg, IL · Cert 29539
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.28% | -3.69% | -1.32% | -1.62% | -1.27% | +201 bps | |
| Return on Equity | -64.65% | -84.17% | -34.84% | -45.27% | -38.22% | +2,644 bps | |
| Net Interest Margin | 3.03% | 3.06% | 2.97% | 3.03% | 2.71% | -32 bps | |
| Efficiency Ratio | 149.41% | 139.45% | 119.20% | 138.64% | 159.45% | +1,005 bps | |
| Non-Interest Burden | 4.36% | 4.75% | 3.69% | 4.44% | 4.58% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.24% | -16.48% | -13.15% | -14.74% | -7.72% | +952 bps | |
| Loan Growth (YoY) | -21.06% | -16.67% | -20.22% | -19.86% | -21.21% | -15 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 3.86% | 2.68% | 2.36% | 0.61% | 1.31% | -255 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.21% | 8.39% | 8.28% | 8.23% | 8.27% | -93 bps | |
| Equity / Assets | 4.83% | 3.93% | 3.67% | 3.49% | 3.15% | -168 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.77% | 98.38% | 93.85% | 93.82% | 85.46% | -1,531 bps | |
| Liquid Assets / Assets | 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 |