Grant Park, IL · Cert 3675
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.08% | -6.40% | 0.31% | -0.08% | -0.52% | -2.00% | 1.95% | +164 bps | |
| Return on Equity | 7.57% | 0.87% | -71.62% | 3.74% | -0.90% | -5.31% | -20.81% | 21.14% | +1,740 bps | |
| Net Interest Margin | 4.03% | 3.45% | 2.89% | 3.54% | 3.54% | 3.57% | 3.28% | 3.04% | -50 bps | |
| Efficiency Ratio | 78.69% | 91.03% | 195.79% | 84.80% | 86.46% | 103.39% | 149.14% | 91.60% | +680 bps | |
| Non-Interest Burden | 3.09% | 3.07% | 6.32% | 2.86% | 2.92% | 3.70% | 5.37% | 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 | 1.04% | 1.11% | 7.80% | 0.60% | 1.49% | 0.97% | 1.98% | 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 |