Aurora, IL · Cert 10440
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Aurora, IL · Cert 10440
FDIC
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | -0.49% | -0.17% | -0.28% | -3.27% | -1.53% | -25.80% | -23.82% | -2,354 bps | |
| Return on Equity | 5.06% | -6.03% | -2.12% | -3.56% | -46.40% | -40.50% | -163837% | 813% | +81,698 bps | |
| Net Interest Margin | 3.31% | 3.08% | 3.14% | 2.99% | 3.05% | 2.37% | 2.29% | 2.54% | -46 bps | |
| Efficiency Ratio | 69.88% | 77.63% | 75.95% | 79.67% | 82.68% | 104.96% | 281% | 283% | +20,369 bps | |
| Non-Interest Burden | 2.18% | 2.31% | 2.30% | 2.31% | 2.67% | 2.51% | 7.37% | 8.25% | +594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.93% | 23.05% | 19.63% | 8.30% | -2.18% | -6.30% | -20.61% | -21.48% | -2,979 bps | |
| Loan Growth (YoY) | 20.50% | 18.30% | 14.24% | 0.27% | -6.38% | -8.36% | -18.62% | -21.03% | -2,130 bps | |
| Deposit Growth (YoY) | 17.35% | 20.49% | 18.59% | 7.57% | 1.72% | -0.61% | -8.46% | -6.43% | -1,400 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.26% | 1.30% | 1.12% | 0.94% | 1.06% | 5.00% | 27.37% | 20.53% | +1,959 bps | |
| Allowance / Loans | 1.18% | 1.37% | 1.37% | 1.76% | 5.50% | 4.76% | 4.08% | 8.68% | +692 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.44% | 10.18% | 10.14% | 10.48% | 7.51% | 7.02% | -9.52% | -16.77% | -2,724 bps | |
| Equity / Assets | 8.43% | 7.93% | 7.32% | 7.31% | 4.12% | 3.42% | -8.70% | -13.51% | -2,082 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.70% | 85.09% | 82.36% | 83.10% | 80.72% | 78.46% | 73.22% | 70.13% | -1,297 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.00% | 8.05% | 10.44% | 8.04% | 8.75% | +875 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |