Chicago, IL · Cert 11677
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 | 1.37% | 1.55% | 1.59% | -1.28% | -0.87% | 0.59% | -0.41% | -0.77% | +51 bps | |
| Return on Equity | 11.14% | 14.25% | 14.85% | -12.63% | -8.98% | 7.37% | -5.14% | -9.71% | +293 bps | |
| Net Interest Margin | 3.77% | 3.62% | 3.58% | 3.54% | 3.59% | 3.67% | 3.46% | 3.31% | -23 bps | |
| Efficiency Ratio | 50.31% | 46.04% | 44.85% | 44.63% | 47.47% | 53.20% | 58.56% | 63.55% | +1,892 bps | |
| Non-Interest Burden | 1.71% | 1.19% | 1.14% | 1.17% | 1.35% | 1.81% | 1.81% | 1.93% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.93% | 16.84% | 21.94% | 23.47% | 15.23% | 8.86% | 4.68% | -0.34% | -2,381 bps | |
| Loan Growth (YoY) | 11.86% | 12.68% | 16.53% | 21.99% | 18.28% | 12.15% | 4.09% | -2.34% | -2,432 bps | |
| Deposit Growth (YoY) | 6.64% | -6.89% | -5.55% | -0.49% | -5.81% | 0.84% | 15.41% | 20.76% | +2,124 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 | 0.04% | 0.33% | 0.17% | 0.12% | 0.20% | 1.61% | 2.12% | 2.87% | +275 bps | |
| Allowance / Loans | 1.21% | 1.07% | 1.04% | 1.55% | 1.52% | 1.37% | 2.00% | 2.04% | +49 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 | 10.61% | 10.31% | 10.09% | 8.90% | 9.15% | 9.60% | 9.66% | 9.03% | +13 bps | |
| Equity / Assets | 11.19% | 10.60% | 10.42% | 8.58% | 8.03% | 8.00% | 7.94% | 7.88% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.22% | 121.55% | 125.31% | 125.03% | 137.15% | 135.19% | 113.02% | 101.12% | -2,391 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.20% | 0.08% | 0.07% | 1.66% | 3.30% | 2.69% | +261 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |