Homer Glen, IL · Cert 58788
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Homer Glen, IL · Cert 58788
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 | 0.22% | 0.20% | 0.23% | 0.29% | 0.36% | 0.59% | 0.54% | 0.79% | +50 bps | |
| Return on Equity | 2.42% | 2.21% | 2.45% | 3.03% | 3.44% | 5.55% | 5.00% | 7.10% | +407 bps | |
| Net Interest Margin | 2.98% | 3.28% | 3.14% | 3.37% | 3.48% | 3.70% | 3.71% | 3.84% | +46 bps | |
| Efficiency Ratio | 79.35% | 80.34% | 80.04% | 80.81% | 75.38% | 74.62% | 77.40% | 79.52% | -129 bps | |
| Non-Interest Burden | 2.35% | 2.62% | 2.50% | 2.75% | 2.59% | 2.73% | 2.84% | 3.02% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.06% | -16.20% | -14.51% | -11.16% | -4.03% | -7.86% | -9.58% | -12.15% | -99 bps | |
| Loan Growth (YoY) | -4.00% | -17.73% | -13.73% | -15.07% | -19.37% | -12.41% | -15.71% | -9.60% | +547 bps | |
| Deposit Growth (YoY) | -7.93% | -15.89% | -13.55% | -12.44% | -4.97% | -9.33% | -11.25% | -14.61% | -217 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 | -0.03% | 6.36% | 3.89% | 3.48% | -0.01% | 1.45% | 0.99% | 0.74% | -274 bps | |
| Allowance / Loans | 6.69% | 4.25% | 4.50% | 4.51% | 5.03% | 4.40% | 4.56% | 4.24% | -26 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 | 13.41% | 13.77% | 13.99% | 14.99% | 15.96% | 15.94% | 16.10% | 16.57% | +159 bps | |
| Equity / Assets | 9.96% | 9.36% | 9.72% | 10.14% | 10.88% | 10.79% | 11.42% | 12.52% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.10% | 84.61% | 89.07% | 85.51% | 84.94% | 81.74% | 84.60% | 90.53% | +502 bps | |
| Liquid Assets / Assets | 7.99% | 15.14% | 12.47% | 11.38% | 11.66% | 12.73% | 8.30% | 5.00% | -638 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |