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Aurora Bank FSB

Wilmington, DE · Cert 30890

FDIC

Q1 2013

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 2013, the quarter ended March 31, 2013, 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

Aurora Bank FSB

Wilmington, DE · Cert 30890

FDIC

Q1 2013

$313.6MAssets
n/aLoans
$500KDeposits
$165.0MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $500KQ1 2012Q1 2013

NIM

1.95%Q1 ’120.34%Q1 ’13-64%

Non-interest income vs. expense

3.04%Q1 ’1227.48%Q1 ’13+672%

Executive Summary

  • Earnings: ROA of -26.51%, down 2,017 bps year over year; NIM at 0.34%.
  • Funding: loans stand at 0.00% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-26.51%-2,017 bps YoY

Net Interest Margin (YTD, annualized)

0.34%-62 bps YoY

Efficiency Ratio (YTD, annualized)

1100%+69,212 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-6.34%-11.33%-12.63%-19.32%-26.51%-2,017 bps
Return on Equityn/an/an/an/a-57.59%n/an/a
Net Interest Margin0.96%0.47%1.53%-0.62%0.34%-62 bps
Efficiency Ratio408%n/an/an/a1100%+69,212 bps
Non-Interest Burden3.30%8.40%32.75%56.86%25.45%+2,216 bps
Growth
Asset Growth (YoY)-16.77%-84.01%-88.90%-88.91%-91.71%-7,494 bps
Loan Growth (YoY)-72.30%-98.84%-99.98%-100.00%-100.00%-2,770 bps
Deposit Growth (YoY)-10.49%-96.00%-99.99%-99.98%-99.98%-8,950 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans-3.54%-45.21%-1988%19300%n/an/a
Allowance / Loans0.00%0.00%0.00%n/an/an/a
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 Capital19.49%520%985%562%724%+70,440 bps
Equity / Assets13.58%55.30%67.97%41.52%52.62%+3,904 bps
Liquidity & Funding
Loans / Deposits8.98%7.92%32.20%0.00%0.00%-898 bps
Liquid Assets / Assets28.86%85.18%91.06%90.66%87.81%+5,895 bps
CRE / Total Capitaln/an/an/an/an/an/an/a