Chicago, IL · Charter 64743
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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 64743
Q3 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 1.28% | 0.91% | 0.66% | 0.17% | 1.08% | 0.42% | 0.12% | -54 bps | |
| Return on Equity | 1.61% | 7.71% | 5.52% | 4.07% | 1.00% | 6.68% | 2.58% | 0.71% | -336 bps | |
| Net Interest Margin | 3.13% | 3.15% | 3.12% | 3.12% | 3.32% | 2.96% | 3.00% | 3.09% | -3 bps | |
| Efficiency Ratio | 73.24% | 65.71% | 60.24% | 67.09% | 70.14% | 59.17% | 73.34% | 77.78% | +1,069 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 8.62% | 13.60% | 8.37% | -0.28% | 2.82% | -0.53% | -4.72% | -1,309 bps | |
| Loan Growth (YoY) | 34.98% | 18.80% | 8.46% | 4.01% | 2.91% | -2.71% | -2.18% | -5.62% | -963 bps | |
| Share Growth (YoY) | 6.52% | 9.93% | 15.67% | 9.58% | -0.24% | 3.48% | -0.49% | -5.40% | -1,498 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 2.10% | 1.56% | 2.17% | 4.03% | 1.72% | 2.09% | 2.44% | +27 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 | 2.22% | 1.99% | 1.89% | 1.98% | 2.66% | 2.44% | 1.67% | 2.24% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.34% | 16.59% | 16.44% | 16.27% | 16.61% | 16.25% | 16.45% | 16.81% | +54 bps | |
| Net Worth / Assets | 16.34% | 16.59% | 16.44% | 16.27% | 16.61% | 16.25% | 16.45% | 16.81% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.49% | 64.36% | 62.47% | 62.73% | 65.49% | 60.52% | 61.41% | 62.58% | -15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |