Wheaton, IL · Charter 16223
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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.
Wheaton, IL · Charter 16223
Q2 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.04% | -2.31% | -2.00% | -2.24% | -1.90% | -2.64% | -8.64% | -3.20% | -96 bps | |
| Return on Equity | -35.09% | -15.95% | -14.11% | -16.33% | -15.39% | -22.75% | -121.47% | -57.55% | -4,122 bps | |
| Net Interest Margin | 3.67% | 3.72% | 3.73% | 4.09% | 3.55% | 3.32% | 3.78% | 3.41% | -68 bps | |
| Efficiency Ratio | 148.12% | 116.14% | 119.61% | 127.88% | 150.27% | 171.54% | 140.02% | 185.45% | +5,757 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -3.45% | -1.79% | -1.35% | -0.23% | -5.62% | -6.20% | 2.53% | +388 bps | |
| Loan Growth (YoY) | 3.04% | 4.85% | 15.23% | 5.55% | -5.16% | -5.81% | -23.28% | -24.29% | -2,983 bps | |
| Share Growth (YoY) | -0.31% | -1.90% | 0.27% | 1.90% | 2.46% | -2.39% | 2.27% | 12.24% | +1,034 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.12% | 3.95% | 2.95% | 3.07% | 3.22% | 15.66% | 2.47% | 4.95% | +188 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 | 0.28% | 0.69% | 0.17% | 0.18% | 0.20% | 0.31% | 5.81% | 0.12% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.35% | 14.46% | 14.14% | 13.73% | 12.38% | 11.61% | 7.11% | 5.56% | -817 bps | |
| Net Worth / Assets | 14.35% | 14.46% | 14.14% | 13.73% | 12.38% | 11.61% | 7.11% | 5.56% | -817 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.46% | 46.76% | 49.66% | 50.02% | 43.01% | 45.12% | 37.25% | 33.74% | -1,628 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |