Naperville, IL · Charter 66882
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 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.
Naperville, IL · Charter 66882
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 | -0.45% | -0.26% | -0.10% | 0.40% | 0.42% | 0.51% | 0.50% | -15.39% | -1,579 bps | |
| Return on Equity | -13.38% | -7.62% | -2.75% | 11.36% | 11.37% | 12.81% | 11.80% | -4485% | -449,667 bps | |
| Net Interest Margin | 3.60% | 3.58% | 3.56% | 3.38% | 3.50% | 3.66% | 3.79% | 3.75% | +36 bps | |
| Efficiency Ratio | 92.95% | 90.69% | 88.01% | 89.53% | 86.45% | 82.22% | 81.81% | 239% | +14,939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.82% | -5.84% | 0.12% | 3.39% | 1.22% | -1.80% | -4.93% | -8.06% | -1,145 bps | |
| Loan Growth (YoY) | -17.30% | -14.12% | -10.11% | -5.83% | 2.29% | 5.60% | 9.46% | 11.56% | +1,739 bps | |
| Share Growth (YoY) | -2.76% | -5.66% | 0.03% | 2.79% | -0.25% | -6.05% | -6.32% | -5.92% | -871 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 2.32% | 2.24% | 1.14% | 1.45% | 1.48% | 1.44% | 1.48% | +34 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 | 1.56% | 1.55% | 1.55% | 1.43% | 1.36% | 1.44% | 1.45% | 3.15% | +172 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.40% | 3.45% | 3.54% | 3.50% | 3.70% | 4.00% | 4.22% | 0.34% | -316 bps | |
| Net Worth / Assets | 3.40% | 3.45% | 3.54% | 3.50% | 3.70% | 4.00% | 4.22% | 0.34% | -316 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.21% | 74.29% | 73.08% | 68.32% | 75.08% | 83.50% | 85.39% | 81.01% | +1,269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.21% | 0.00% | 0.00% | 0.00% | 99.41% | 99.55% | +9,955 bps | |