Chicago, IL · Charter 65960
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 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 65960
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -17.28% | -10.48% | -8.67% | -10.31% | -6.75% | -2.71% | -3.74% | -3.02% | +729 bps | |
| Return on Equity | -66.67% | -36.17% | -33.75% | -37.61% | -27.91% | -12.56% | -16.93% | -11.83% | +2,578 bps | |
| Net Interest Margin | 1.34% | 1.38% | 2.29% | 2.97% | 1.93% | 1.77% | 1.60% | 1.75% | -122 bps | |
| Efficiency Ratio | 663% | 481% | 328% | 228% | 207% | 149.54% | 183.88% | 166.81% | -6,115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.45% | -13.59% | -17.46% | -28.36% | -29.99% | -25.32% | -17.80% | -11.90% | +1,645 bps | |
| Loan Growth (YoY) | 24.72% | 33.36% | 147.00% | -21.21% | -50.05% | -40.66% | -50.90% | -57.90% | -3,669 bps | |
| Share Growth (YoY) | -10.88% | -20.75% | -17.21% | -30.01% | -30.78% | -17.53% | -13.83% | -9.62% | +2,039 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 21.62% | 98.33% | 53.40% | 45.10% | 6.55% | 30.33% | -6,801 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 | 6.64% | 7.05% | 6.90% | 27.75% | 46.64% | 16.28% | 19.80% | 26.49% | -126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.92% | 28.97% | 25.70% | 27.41% | 24.20% | 21.56% | 22.11% | 25.53% | -188 bps | |
| Net Worth / Assets | 25.92% | 28.97% | 25.70% | 27.41% | 24.20% | 21.56% | 22.11% | 25.53% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.06% | 22.57% | 26.42% | 28.93% | 15.92% | 16.24% | 15.05% | 13.48% | -1,546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |