Aurora, IL · Cert 10440
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -0.49% | 0.15% | -0.49% | -12.64% | -1.53% | -51.09% | -19.45% | -1,896 bps | |
| Return on Equity | 3.32% | -6.03% | 1.97% | -6.69% | -221% | -40.50% | 2355% | 176.61% | +18,330 bps | |
| Net Interest Margin | 3.33% | 3.08% | 3.18% | 2.65% | 2.60% | 2.37% | 2.17% | 2.38% | -27 bps | |
| Efficiency Ratio | 68.73% | 77.63% | 74.28% | 88.25% | 93.83% | 104.96% | 464% | 288% | +20,011 bps | |
| Non-Interest Burden | 2.17% | 2.31% | 2.28% | 2.29% | 3.26% | 2.51% | 12.19% | 7.96% | +567 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 | 0.79% | 1.30% | 0.94% | 0.43% | 1.37% | 5.00% | 49.08% | 1.88% | +144 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 |