Lisle, IL · Charter 15330
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Lisle, IL · Charter 15330
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -4.74% | -0.98% | -1.81% | -3.12% | 0.24% | -0.66% | -0.30% | +151 bps | |
| Return on Equity | 0.11% | -65.29% | -12.44% | -25.96% | -59.77% | 4.73% | -11.62% | -6.73% | +1,923 bps | |
| Net Interest Margin | 3.45% | 2.64% | 2.73% | 2.68% | 2.69% | 2.55% | 3.01% | 2.62% | -7 bps | |
| Efficiency Ratio | 92.69% | 144.33% | 134.44% | 121.19% | 167.48% | 91.06% | 115.83% | 110.95% | -1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.83% | 8.42% | 5.60% | 7.59% | 4.01% | 5.41% | -15.58% | -6.20% | -1,379 bps | |
| Loan Growth (YoY) | -3.88% | -4.16% | 1.81% | -2.25% | -15.88% | -20.57% | -26.14% | -25.74% | -2,348 bps | |
| Share Growth (YoY) | -0.99% | 10.65% | 6.66% | 9.96% | 8.18% | 8.38% | -13.12% | -3.46% | -1,342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.22% | 9.67% | 8.68% | 9.68% | 2.42% | 3.76% | 3.86% | 0.00% | -968 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 | 2.66% | 2.61% | 2.58% | 2.64% | 2.57% | 2.67% | 0.82% | 3.06% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.67% | 7.26% | 7.87% | 6.98% | 5.22% | 5.07% | 5.70% | 4.47% | -251 bps | |
| Net Worth / Assets | 8.67% | 7.26% | 7.87% | 6.98% | 5.22% | 5.07% | 5.70% | 4.47% | -251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.58% | 43.74% | 44.10% | 42.46% | 34.66% | 32.05% | 37.50% | 32.66% | -980 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |