South Holland, IL · Charter 65342
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.24% | -0.16% | -0.26% | -0.18% | -0.27% | -0.71% | -0.66% | -40 bps | |
| Return on Equity | -1.10% | -1.29% | -0.90% | -1.57% | -1.05% | -1.52% | -3.91% | -3.76% | -220 bps | |
| Net Interest Margin | 2.48% | 2.44% | 2.11% | 1.90% | 1.98% | 1.98% | 1.73% | 1.61% | -29 bps | |
| Efficiency Ratio | 103.54% | 104.34% | 101.77% | 110.00% | 105.16% | 108.92% | 136.10% | 136.82% | +2,683 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | -0.24% | 3.63% | 0.98% | 1.37% | 0.09% | -3.75% | -7.79% | -877 bps | |
| Loan Growth (YoY) | -17.65% | -18.78% | -12.68% | -17.79% | -15.78% | -13.37% | -13.37% | -3.55% | +1,424 bps | |
| Share Growth (YoY) | 0.61% | 0.04% | 4.80% | 1.54% | 1.92% | 0.45% | -3.71% | -8.33% | -986 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.88% | 9.46% | 3.91% | 5.71% | 6.10% | 1.69% | 2.61% | 1.72% | -399 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 | 2.12% | 2.46% | 2.73% | 2.94% | 2.67% | 2.92% | 2.51% | 2.02% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.16% | 18.28% | 17.85% | 16.68% | 17.60% | 17.95% | 18.11% | 17.55% | +86 bps | |
| Net Worth / Assets | 18.16% | 18.28% | 17.85% | 16.68% | 17.60% | 17.95% | 18.11% | 17.55% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.07% | 34.88% | 32.56% | 28.57% | 31.46% | 30.08% | 29.30% | 30.06% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |