Joliet, IL · Cert 57681
FDIC
Q4 2012
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 | 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% | -1.44% | -1.46% | -1.32% | -0.20% | -0.38% | -0.25% | -0.15% | +116 bps | |
| Return on Equity | 1.39% | -17.22% | -17.50% | -15.62% | -2.24% | -4.24% | -2.79% | -1.69% | +1,393 bps | |
| Net Interest Margin | 3.64% | 3.60% | 3.66% | 3.74% | 3.42% | 3.42% | 3.46% | 3.35% | -39 bps | |
| Efficiency Ratio | 40.45% | 51.22% | 54.29% | 60.86% | 63.06% | 67.38% | 70.84% | 70.57% | +971 bps | |
| Non-Interest Burden | 1.40% | 1.79% | 1.94% | 2.23% | 2.11% | 2.26% | 2.44% | 2.36% | +13 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% | 2.58% | 2.89% | 3.13% | 1.13% | 2.22% | 2.27% | 2.70% | -43 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 |