Chicago, IL · Charter 65619
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 65619
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 | -8.83% | -6.35% | 6.68% | -2.87% | -18.02% | -5.32% | -1.15% | -5.79% | -292 bps | |
| Return on Equity | -15.48% | -11.06% | 11.61% | -5.09% | -34.92% | -10.36% | -2.12% | -11.06% | -597 bps | |
| Net Interest Margin | 2.13% | 1.97% | 7.48% | 6.59% | 6.36% | 5.91% | 2.89% | 3.32% | -327 bps | |
| Efficiency Ratio | 514% | 511% | 131.79% | 143.18% | 179.26% | 190.04% | 139.67% | 274% | +13,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.40% | -9.47% | -9.38% | -5.53% | -12.69% | -13.67% | -17.26% | -19.13% | -1,360 bps | |
| Loan Growth (YoY) | -4.77% | 12.93% | -8.39% | 7.26% | -3.92% | -9.20% | -4.04% | -16.95% | -2,421 bps | |
| Share Growth (YoY) | -15.87% | -11.33% | -10.92% | -3.35% | -1.73% | -1.06% | -10.33% | -11.92% | -857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 55.94% | 67.87% | 61.02% | 21.87% | 0.00% | 0.00% | 0.00% | 2.17% | -1,970 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 | 9.73% | 5.58% | 7.78% | 4.20% | 29.68% | 31.35% | 36.18% | 35.11% | +3,091 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 57.03% | 57.42% | 57.52% | 56.42% | 51.59% | 51.36% | 53.95% | 52.34% | -408 bps | |
| Net Worth / Assets | 57.03% | 57.42% | 57.52% | 56.42% | 51.59% | 51.36% | 53.95% | 52.34% | -408 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.75% | 82.30% | 68.60% | 79.24% | 78.95% | 75.53% | 73.42% | 74.71% | -453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |