PackageTrendsPeer
Letter portraitLegal landscape

Lincoln Park Savings Bank

Chicago, IL · Cert 30600

FDIC

Q1 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lincoln Park Savings Bank

Chicago, IL · Cert 30600

FDIC

Q1 2010

$194.6MAssets
$157.0MLoans
$162.6MDeposits
$2.9MEquity
Loan mix
98%RE $125.4M1%C&I $1.5M1%Consumer $0.9MQ1 2009Q1 2010
Deposit mix
94%Interest-bearing $153.0M6%Noninterest $9.6MQ1 2009Q1 2010

NIM

5.82%Q1 ’085.04%Q1 ’093.84%Q1 ’100%-16%

Non-interest income vs. expense

3.24%Q1 ’084.42%Q1 ’094.46%Q1 ’10+30%+10%

Executive Summary

  • Earnings: ROA of -1.83%, up 235 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.52%.
  • Funding: loans stand at 96.55% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.83%+235 bps YoY

Net Interest Margin (YTD, annualized)

2.01%-39 bps YoY

Efficiency Ratio (YTD, annualized)

166.74%+3,575 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-4.19%-3.39%-2.97%-4.21%-1.83%+235 bps
Return on Equity-80.90%-70.53%-65.48%-104.44%-110.84%-2,994 bps
Net Interest Margin2.40%2.20%2.03%2.08%2.01%-39 bps
Efficiency Ratio130.99%139.22%138.65%150.55%166.74%+3,575 bps
Non-Interest Burden3.44%3.71%3.44%3.91%3.80%+35 bps
Growth
Asset Growth (YoY)-10.89%-10.30%-12.76%-12.22%-11.08%-20 bps
Loan Growth (YoY)-4.43%-3.68%-5.72%-1.80%-8.08%-365 bps
Deposit Growth (YoY)-5.62%-4.78%-6.06%-7.40%-8.06%-244 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.24%2.10%1.39%2.85%0.52%-373 bps
Allowance / Loans2.36%2.54%2.82%2.79%2.88%+52 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital7.63%6.88%6.24%3.71%2.78%-485 bps
Equity / Assets4.80%4.04%3.73%1.83%1.47%-333 bps
Liquidity & Funding
Loans / Deposits96.57%94.77%98.34%98.13%96.55%-2 bps
Liquid Assets / Assets0.27%0.20%0.25%0.24%0.25%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a