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Chicago Heights Steel

Chicago Hts, IL · Charter 61104

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chicago Heights Steel

Chicago Hts, IL · Charter 61104

Q2 2012

$954KAssets
$205KLoans
$835KShares
$117KNet Worth

Executive Summary

  • Earnings: ROA of 0.82%, up 36 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 0.22% of loans (+16 bps YoY).
  • Capital: net worth / assets of 12.24%, down 2 bps from a year ago.
  • Funding: loans stand at 24.60% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

0.82%+36 bps YoY

Net Interest Margin (YTD, annualized)

1.96%-33 bps YoY

Efficiency Ratio (YTD, annualized)

93.37%+66 bps YoY

Net Worth / Assets

12.24%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.25%-0.27%0.11%0.46%0.19%0.09%0.53%0.82%+36 bps
Return on Equity-1.63%-1.85%0.87%3.77%1.55%0.69%4.44%6.73%+296 bps
Net Interest Margin3.42%3.51%2.36%2.29%2.25%2.27%1.92%1.96%-33 bps
Efficiency Ratio106.42%99.72%95.84%92.72%99.87%102.17%100.41%93.37%+66 bps
Growth
Asset Growth (YoY)0.77%3.50%25.19%29.07%24.92%19.49%3.01%2.37%-2,669 bps
Loan Growth (YoY)-19.73%13.04%22.45%27.67%1.47%-18.10%-23.09%-7.43%-3,510 bps
Share Growth (YoY)-0.60%4.02%29.15%34.37%29.03%22.81%3.22%2.45%-3,192 bps
Asset Quality
Delinquent Loans / Loans6.96%6.06%0.80%0.06%0.07%2.40%0.00%0.22%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.47%6.50%1.68%0.41%0.48%0.43%0.00%0.00%-41 bps
Capital
Risk-Based Capital15.09%14.62%12.19%12.26%12.21%12.42%12.03%12.24%-2 bps
Net Worth / Assets15.09%14.62%12.19%12.26%12.21%12.42%12.03%12.24%-2 bps
Liquidity & Funding
Loans / Shares29.66%37.28%28.97%27.23%23.33%24.86%21.59%24.60%-263 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps