Elmhurst, IL · Charter 62404
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.07% | -0.84% | 0.19% | 0.42% | 0.61% | -0.14% | -66.06% | -52.69% | -5,311 bps | |
| Return on Equity | -34.74% | -12.76% | 2.88% | 6.18% | 8.51% | -1.94% | n/a | n/a | n/a | |
| Net Interest Margin | 4.26% | 5.08% | 5.09% | 5.09% | 5.30% | 5.58% | 5.73% | 6.15% | +106 bps | |
| Efficiency Ratio | 95.91% | 89.81% | 82.32% | 79.94% | 78.00% | 77.79% | 236% | 243% | +16,268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | -11.34% | -6.47% | -3.17% | -7.67% | -3.29% | -18.90% | -32.23% | -2,906 bps | |
| Loan Growth (YoY) | 5.80% | 9.60% | 9.06% | 5.65% | 5.55% | -2.03% | -11.08% | -25.03% | -3,068 bps | |
| Share Growth (YoY) | 4.31% | -11.02% | -6.23% | -3.69% | -8.90% | -3.55% | -6.36% | -16.36% | -1,267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 1.96% | 3.01% | 2.91% | 3.87% | 4.99% | 7.67% | 10.67% | +776 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 | 2.24% | 2.21% | 2.70% | 2.12% | 2.52% | 2.73% | 20.99% | 22.73% | +2,061 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.96% | 6.56% | 6.58% | 6.80% | 7.18% | 6.98% | -8.61% | -16.80% | -2,360 bps | |
| Net Worth / Assets | 5.96% | 6.56% | 6.58% | 6.80% | 7.18% | 6.98% | -8.61% | -16.80% | -2,360 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.10% | 79.70% | 75.99% | 77.88% | 80.07% | 80.95% | 72.15% | 69.80% | -808 bps | |
| Liquid Assets / Assets | 97.78% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |