Chicago Hts, IL · Charter 61104
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.42% | 3.51% | 2.36% | 2.29% | 2.25% | 2.27% | 1.92% | 1.96% | -33 bps | |
| Efficiency Ratio | 106.42% | 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 / Loans | 6.96% | 6.06% | 0.80% | 0.06% | 0.07% | 2.40% | 0.00% | 0.22% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.47% | 6.50% | 1.68% | 0.41% | 0.48% | 0.43% | 0.00% | 0.00% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.09% | 14.62% | 12.19% | 12.26% | 12.21% | 12.42% | 12.03% | 12.24% | -2 bps | |
| Net Worth / Assets | 15.09% | 14.62% | 12.19% | 12.26% | 12.21% | 12.42% | 12.03% | 12.24% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.66% | 37.28% | 28.97% | 27.23% | 23.33% | 24.86% | 21.59% | 24.60% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |