Joliet, IL · Cert 57681
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -3.00% | -1.51% | -0.83% | -0.20% | -0.57% | 0.01% | 0.15% | +98 bps | |
| Return on Equity | 1.39% | -35.34% | -18.02% | -9.74% | -2.24% | -6.25% | 0.12% | 1.61% | +1,135 bps | |
| Net Interest Margin | 3.64% | 3.49% | 3.49% | 3.39% | 3.42% | 3.32% | 3.35% | 3.11% | -27 bps | |
| Efficiency Ratio | 40.45% | 62.71% | 60.98% | 83.09% | 63.06% | 71.87% | 79.12% | 69.65% | -1,345 bps | |
| Non-Interest Burden | 1.40% | 2.15% | 2.11% | 2.79% | 2.11% | 2.33% | 2.70% | 2.17% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | -1.93% | -8.52% | -11.63% | -16.56% | -14.15% | -9.93% | -5.97% | +565 bps | |
| Loan Growth (YoY) | 0.68% | -5.50% | -15.24% | -19.47% | -24.93% | -23.67% | -18.82% | -17.58% | +189 bps | |
| Deposit Growth (YoY) | 8.82% | -3.37% | -7.18% | -10.49% | -15.86% | -13.68% | -11.97% | -8.75% | +174 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 | 0.54% | 4.61% | 2.98% | 3.24% | 1.13% | 3.29% | 2.19% | 3.65% | +41 bps | |
| Allowance / Loans | 3.54% | 3.86% | 4.43% | 4.39% | 5.01% | 4.82% | 4.67% | 4.28% | -11 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 | 10.89% | 10.70% | 11.31% | 11.81% | 12.57% | 12.65% | 12.97% | 13.46% | +166 bps | |
| Equity / Assets | 8.57% | 8.39% | 8.33% | 8.73% | 8.98% | 9.17% | 9.10% | 9.26% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.43% | 98.98% | 92.62% | 90.07% | 86.04% | 87.53% | 85.41% | 81.36% | -871 bps | |
| Liquid Assets / Assets | 3.73% | 3.56% | 10.77% | 9.43% | 11.31% | 9.57% | 13.52% | 15.00% | +556 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |