Maywood, IL · Cert 16089
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Maywood, IL · Cert 16089
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.94% | -0.28% | -1.22% | -1.20% | -2.03% | -1.98% | -1.66% | -1.64% | -44 bps | |
| Return on Equity | -45.87% | -5.29% | -24.39% | -24.85% | -44.68% | -63.58% | -54.75% | -55.89% | -3,103 bps | |
| Net Interest Margin | 2.63% | 2.28% | 2.31% | 2.29% | 2.30% | 2.18% | 2.42% | 2.63% | +33 bps | |
| Efficiency Ratio | 134.19% | 135.29% | 140.34% | 146.61% | 153.09% | 137.07% | 136.07% | 141.58% | -503 bps | |
| Non-Interest Burden | 3.65% | 3.23% | 3.45% | 3.60% | 3.81% | 3.24% | 3.55% | 4.01% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.98% | -5.95% | -10.28% | -2.33% | -8.34% | -8.95% | -18.02% | -19.46% | -1,712 bps | |
| Loan Growth (YoY) | -11.22% | -15.09% | -12.16% | -12.59% | -12.65% | -15.06% | -16.80% | -11.71% | +88 bps | |
| Deposit Growth (YoY) | -0.33% | -0.90% | -6.53% | 2.77% | -3.70% | -7.22% | -16.41% | -18.22% | -2,099 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 | 3.47% | 1.32% | 0.80% | 0.58% | 0.98% | 0.38% | 0.43% | 0.54% | -5 bps | |
| Allowance / Loans | 1.22% | 0.95% | 1.18% | 1.36% | 1.74% | 2.16% | 2.33% | 2.15% | +79 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 | 8.12% | 8.07% | 7.49% | 7.57% | 5.82% | 5.20% | 5.07% | 4.38% | -318 bps | |
| Equity / Assets | 5.22% | 5.18% | 4.66% | 4.31% | 3.27% | 2.94% | 2.86% | 2.61% | -170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.13% | 80.33% | 80.59% | 76.63% | 77.21% | 73.54% | 80.21% | 82.73% | +610 bps | |
| Liquid Assets / Assets | 0.02% | 4.57% | 5.27% | 10.37% | 8.96% | 15.57% | 8.01% | 6.77% | -360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |