Chicago, IL · Cert 15640
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -2.01% | 0.25%1 | -0.35% | -1.74% | -15.58% | -3.07% | -4.00% | -365 bps | |
| Return on Equity | -2.62% | -31.36% | 4.28% | -6.14% | -31.31% | -424% | -231% | -535% | -52,901 bps | |
| Net Interest Margin | 2.90% | 2.36% | 2.30% | 1.88% | 1.89% | 1.62% | 1.91% | 1.67% | -22 bps | |
| Efficiency Ratio | 64.60% | 61.33% | 75.25% | 110.61% | 110.35% | 144.31% | 117.03% | 180.50% | +6,989 bps | |
| Non-Interest Burden | 1.74% | 1.35% | 1.68% | 2.10% | 2.09% | 4.51% | 2.28% | 2.90% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 9.73% | 19.89% | 17.25% | 7.53% | -7.18% | -15.40% | -18.43% | -3,568 bps | |
| Loan Growth (YoY) | 11.93% | 12.87% | 9.47% | 3.63% | -0.77% | -8.68% | -11.06% | -12.20% | -1,583 bps | |
| Deposit Growth (YoY) | 8.39% | 16.04% | 35.73% | 33.04% | 16.59% | 4.10% | -9.07% | -12.74% | -4,579 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 | 0.66% | 0.76% | 0.79% | 4.86% | 1.48% | 11.42% | 3.64% | 2.69% | -217 bps | |
| Allowance / Loans | 1.45% | 2.99% | 2.97% | 2.09% | 3.31% | 5.73% | 6.07% | 6.80% | +471 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 | 11.43% | 10.73% | 10.76% | 10.39% | 9.59% | 4.62% | 3.37% | 0.66% | -973 bps | |
| Equity / Assets | 6.62% | 6.22% | 5.69% | 5.59% | 5.49% | 1.61% | 1.05% | 0.43% | -516 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.98% | 99.28% | 84.74% | 85.06% | 89.35% | 87.09% | 82.89% | 85.59% | +52 bps | |
| Liquid Assets / Assets | 1.13% | 1.09% | 11.19% | 8.35% | 6.30% | 6.38% | 8.60% | 4.56% | -379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |