Chicago, IL · Charter 65830
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 65830
Q1 2012
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | -2.64% | -2.82% | -6.52% | -2.85% | -2.46% | -2.88% | -7.12% | -61 bps | |
| Return on Equity | -7.58% | -21.96% | -26.76% | -100.28% | -49.92% | -44.61% | -63.79% | -287% | -18,720 bps | |
| Net Interest Margin | 4.57% | 3.80% | 3.66% | 3.51% | 3.29% | 3.68% | 3.74% | 2.86% | -65 bps | |
| Efficiency Ratio | 100.30% | 144.83% | 136.70% | 126.90% | 105.88% | 108.91% | 111.69% | 210% | +8,304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.97% | -0.46% | -1.13% | 11.69% | 9.05% | 3.64% | 3.22% | 3.86% | -783 bps | |
| Loan Growth (YoY) | -7.17% | -9.47% | -7.13% | -17.57% | -13.28% | 13.50% | 9.16% | -26.83% | -926 bps | |
| Share Growth (YoY) | 2.29% | 0.83% | 1.31% | 22.39% | 18.09% | 11.15% | 10.31% | 8.41% | -1,398 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.72% | 9.08% | 11.60% | 0.80% | 0.47% | 2.04% | 3.91% | 0.00% | -80 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 | 0.76% | 0.33% | 0.33% | 4.16% | 3.33% | 3.69% | 5.93% | 0.48% | -368 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.82% | 12.04% | 10.55% | 6.50% | 5.71% | 5.52% | 4.51% | 2.48% | -402 bps | |
| Net Worth / Assets | 12.82% | 12.04% | 10.55% | 6.50% | 5.71% | 5.52% | 4.51% | 2.48% | -402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.00% | 26.37% | 25.10% | 19.44% | 23.50% | 26.93% | 24.84% | 13.12% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |