Grant Park, IL · Cert 3675
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Grant Park, IL · Cert 3675
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.20% | -1.44% | 0.31% | 0.12%1 | -0.09% | -0.55% | 1.95% | +164 bps | |
| Return on Equity | 2.92% | 2.20% | -16.47% | 3.74% | 1.34% | -0.99% | -6.04% | 21.14% | +1,740 bps | |
| Net Interest Margin | 3.63% | 3.58% | 3.45% | 3.54% | 3.60% | 3.61% | 3.57% | 3.04% | -50 bps | |
| Efficiency Ratio | 86.97% | 88.33% | 103.88% | 84.80% | 85.62% | 91.05% | 105.00% | 91.60% | +680 bps | |
| Non-Interest Burden | 3.09% | 3.10% | 3.94% | 2.86% | 2.94% | 3.22% | 3.79% | 2.71% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.16% | -4.72% | -2.71% | -6.95% | -7.88% | -10.12% | -11.29% | -3.14% | +381 bps | |
| Loan Growth (YoY) | -10.43% | -14.38% | -13.29% | -15.72% | -12.98% | -9.67% | -8.78% | -5.51% | +1,022 bps | |
| Deposit Growth (YoY) | -1.98% | -3.67% | -2.36% | -3.29% | -6.15% | -7.92% | -9.38% | -4.90% | -161 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 | 0.37% | 0.63% | 2.45% | 0.60% | 1.04% | 1.03% | 1.30% | 0.04% | -56 bps | |
| Allowance / Loans | 2.16% | 2.16% | 2.16% | 2.32% | 2.67% | 2.68% | 2.67% | 1.76% | -56 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 | 13.80% | 14.50% | 12.55% | 13.28% | 14.43% | 14.48% | 14.17% | 14.88% | +160 bps | |
| Equity / Assets | 9.32% | 9.68% | 8.17% | 8.47% | 9.73% | 9.86% | 9.32% | 9.15% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.45% | 52.11% | 51.17% | 48.59% | 51.42% | 51.12% | 51.50% | 48.28% | -31 bps | |
| Liquid Assets / Assets | 0.19% | 0.19% | 0.10% | 2.95% | 0.48% | 2.64% | 1.86% | 6.69% | +374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |