Lagrange Park, IL · Charter 65657
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.
Lagrange Park, IL · Charter 65657
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 | -1.00% | -1.21% | -1.29% | -1.29% | -1.42% | -1.39% | -1.13% | -1.23% | +6 bps | |
| Return on Equity | -15.09% | -18.49% | -20.24% | -18.08% | -19.78% | -20.37% | -17.36% | -20.05% | -198 bps | |
| Net Interest Margin | 0.68% | 0.76% | 0.78% | 1.08% | 1.11% | 1.08% | 1.00% | 0.97% | -11 bps | |
| Efficiency Ratio | 175.08% | 180.13% | 224% | 193.48% | 198.85% | 197.47% | 158.82% | 172.77% | -2,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.14% | -15.13% | -13.79% | -20.37% | -24.45% | -19.95% | -18.32% | -4.16% | +1,621 bps | |
| Loan Growth (YoY) | -32.36% | -31.90% | -28.39% | -31.14% | -28.46% | -31.27% | -12.29% | -8.89% | +2,224 bps | |
| Share Growth (YoY) | -13.16% | -14.56% | -13.66% | -20.51% | -24.94% | -20.30% | -18.51% | -3.79% | +1,672 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.08% | 0.88% | 1.32% | 1.38% | 3.18% | 1.86% | 2.98% | +166 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 | 0.29% | 1.39% | 1.34% | 1.43% | 1.52% | 1.74% | 1.49% | 1.56% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.61% | 6.57% | 6.37% | 7.16% | 7.17% | 6.83% | 6.53% | 6.15% | -101 bps | |
| Net Worth / Assets | 6.61% | 6.57% | 6.37% | 7.16% | 7.17% | 6.83% | 6.53% | 6.15% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.25% | 10.83% | 9.80% | 10.86% | 10.72% | 9.34% | 10.55% | 10.28% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |