Chicago, IL · Charter 65433
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -14.54% | -11.01% | -45.38% | -21.67% | -8.09% | -3.60% | 2.79% | 0.03% | +2,170 bps | |
| Return on Equity | -99.49% | -82.72% | -1256% | -491% | -88.24% | -33.08% | 22.60% | 0.21% | +49,107 bps | |
| Net Interest Margin | 10.43% | 8.95% | 10.79% | 10.16% | 9.07% | 7.58% | 6.01% | 4.69% | -547 bps | |
| Efficiency Ratio | 106.01% | 110.72% | 123.28% | 100.21% | 64.46% | 63.60% | 72.13% | 99.64% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.05% | -8.42% | -30.25% | -14.39% | -8.34% | -8.21% | -3.53% | -6.80% | +759 bps | |
| Loan Growth (YoY) | 77.24% | -0.80% | 1.00% | -27.48% | -47.17% | -61.05% | -65.77% | -73.06% | -4,558 bps | |
| Share Growth (YoY) | 9.99% | 2.14% | -17.79% | -5.09% | -2.50% | -5.65% | -12.26% | -14.49% | -940 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.69% | 37.61% | 31.07% | 5.37% | 0.00% | 0.00% | 0.00% | 0.00% | -537 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 | 12.20% | 11.28% | 15.11% | 14.27% | 15.16% | 22.96% | 35.25% | 39.60% | +2,533 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.61% | 13.31% | 3.61% | 4.41% | 9.17% | 10.89% | 12.34% | 12.31% | +789 bps | |
| Net Worth / Assets | 14.61% | 13.31% | 3.61% | 4.41% | 9.17% | 10.89% | 12.34% | 12.31% | +789 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.57% | 107.22% | 93.35% | 70.06% | 57.20% | 44.26% | 36.41% | 22.07% | -4,799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |