Fairview Hts., IL · Charter 65766
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.19% | 0.36% | 0.04% | -0.04% | -0.06% | -0.06% | -0.67% | -71 bps | |
| Return on Equity | 3.95% | 1.45% | 2.69% | 0.32% | -0.26% | -0.43% | -0.44% | -4.46% | -478 bps | |
| Net Interest Margin | 3.75% | 4.07% | 4.08% | 3.67% | 3.50% | 3.46% | 3.42% | 3.10% | -57 bps | |
| Efficiency Ratio | 87.10% | 95.28% | 91.11% | 98.81% | 101.04% | 101.72% | 101.86% | 121.54% | +2,273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.12% | -16.40% | -11.82% | -11.38% | -13.03% | -5.08% | -5.81% | -10.69% | +68 bps | |
| Loan Growth (YoY) | -41.17% | -36.26% | -36.29% | -30.77% | -22.00% | -17.56% | -19.45% | -23.59% | +717 bps | |
| Share Growth (YoY) | -14.32% | -17.74% | -12.74% | -12.74% | -14.51% | -5.85% | -6.59% | -12.20% | +54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.09% | 6.53% | 6.59% | 6.97% | 1.53% | 1.33% | 11.42% | 22.43% | +1,547 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 | 7.54% | 8.32% | 8.88% | 9.66% | 10.10% | 10.55% | 11.02% | 12.18% | +252 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.27% | 13.22% | 13.49% | 13.52% | 13.86% | 13.93% | 14.26% | 14.99% | +146 bps | |
| Net Worth / Assets | 12.27% | 13.22% | 13.49% | 13.52% | 13.86% | 13.93% | 14.26% | 14.99% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.46% | 47.77% | 47.72% | 43.95% | 43.30% | 41.83% | 41.15% | 38.25% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |