Chicago, IL · Charter 62648
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.
Chicago, IL · Charter 62648
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.26% | 2.54% | 2.67% | 2.77% | 3.34% | 2.27% | 1.45% | -3.31% | -609 bps | |
| Return on Equity | 31.20% | 24.70% | 24.67% | 22.42% | 23.70% | 14.67% | 9.65% | -21.81% | -4,424 bps | |
| Net Interest Margin | 3.55% | 3.97% | 4.41% | 4.94% | 4.91% | 4.06% | 3.23% | 1.22% | -372 bps | |
| Efficiency Ratio | 39.27% | 53.45% | 53.16% | 54.78% | 40.45% | 52.88% | 63.41% | 177.19% | +12,241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.00% | 34.41% | 28.62% | 10.49% | -6.28% | -19.05% | -18.31% | -33.07% | -4,356 bps | |
| Loan Growth (YoY) | -0.42% | 39.90% | 35.61% | 25.30% | -14.96% | -72.75% | -73.10% | -73.28% | -9,858 bps | |
| Share Growth (YoY) | 26.18% | 32.65% | 26.33% | 6.10% | -14.87% | -27.41% | -33.55% | -49.13% | -5,523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.73% | 1.86% | 2.19% | 1.62% | 3.64% | 3.66% | 1.02% | -117 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 | 0.19% | 0.14% | 0.14% | 0.19% | 0.27% | 0.60% | 0.61% | 0.98% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 10.28% | 10.83% | 12.37% | 14.08% | 15.48% | 15.02% | 15.18% | +280 bps | |
| Net Worth / Assets | 10.45% | 10.28% | 10.83% | 12.37% | 14.08% | 15.48% | 15.02% | 15.18% | +280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.14% | 96.33% | 95.00% | 94.22% | 76.07% | 36.17% | 38.46% | 49.49% | -4,474 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |