Berwyn, IL · Cert 57866
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Berwyn, IL · Cert 57866
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.94% | -1.97% | -3.90% | -3.40% | -3.40% | -2.73% | -2.85% | +105 bps | |
| Return on Equity | -0.73% | -17.52% | -38.46% | -108.91% | -106.24% | -120.96% | -102.23% | -169.53% | -6,063 bps | |
| Net Interest Margin | 2.81% | 2.78% | 2.75% | 2.55% | 2.69% | 2.65% | 2.61% | 2.34% | -21 bps | |
| Efficiency Ratio | 113.78% | 128.19% | 157.16% | 285% | 244% | 237% | 214% | 213% | -7,137 bps | |
| Non-Interest Burden | 3.28% | 3.75% | 4.70% | 6.40% | 6.17% | 6.12% | 5.95% | 5.66% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -5.25% | -6.26% | -5.77% | -8.43% | -3.82% | -17.44% | -16.30% | -1,054 bps | |
| Loan Growth (YoY) | -9.47% | -6.14% | -7.44% | -12.29% | -10.10% | -11.88% | -19.55% | -18.90% | -661 bps | |
| Deposit Growth (YoY) | -5.17% | -3.83% | -4.12% | -3.02% | -3.93% | -0.29% | -15.84% | -14.97% | -1,195 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 | 0.14% | 0.40% | 0.05% | 7.81% | 3.76% | 2.83% | 2.57% | 0.23% | -758 bps | |
| Allowance / Loans | 5.25% | 5.43% | 6.04% | 4.45% | 4.50% | 4.45% | 3.83% | 3.81% | -65 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 | 8.72% | 7.94% | 6.73% | 5.56% | 5.15% | 4.07% | 4.43% | 3.56% | -199 bps | |
| Equity / Assets | 5.52% | 5.09% | 4.04% | 3.12% | 2.42% | 1.64% | 1.99% | 1.37% | -175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.87% | 79.05% | 76.93% | 72.77% | 72.86% | 69.86% | 73.54% | 69.41% | -336 bps | |
| Liquid Assets / Assets | 9.06% | 7.59% | 7.46% | 8.70% | 8.20% | 7.95% | 3.17% | 4.01% | -469 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |