Chicago, IL · Cert 16488
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | -0.52% | 0.00% | -11.21% | -7.99% | -3.25% | -4.37% | -4.63% | +658 bps | |
| Return on Equity | 6.53% | -6.22% | 0.03% | -124.70% | -95.47% | -40.17% | -51.32% | -51.58% | +7,312 bps | |
| Net Interest Margin | 4.01% | 3.69% | 3.48% | 3.29% | 3.66% | 3.94% | 3.91% | 3.96% | +67 bps | |
| Efficiency Ratio | 57.85% | 50.65% | 69.42% | 66.35% | 129.14% | 117.00% | -914% | 126.59% | +6,024 bps | |
| Non-Interest Burden | 2.16% | 1.71% | 2.46% | 2.10% | 4.81% | 4.56% | 2.67% | 4.83% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.40% | 0.60% | 7.45% | -2.90% | -9.08% | -8.60% | -14.45% | -14.80% | -1,190 bps | |
| Loan Growth (YoY) | -0.13% | 0.95% | 5.25% | -2.96% | -10.78% | -14.60% | -12.70% | -15.81% | -1,285 bps | |
| Deposit Growth (YoY) | -3.41% | -8.03% | -7.42% | -13.83% | -11.85% | -2.21% | -6.09% | -5.53% | +830 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 | 2.62% | 0.53% | 0.46% | 23.99% | 1.09% | 11.51% | 11.76% | 9.55% | -1,444 bps | |
| Allowance / Loans | 0.72% | 1.44% | 1.74% | 1.18% | 4.19% | 2.84% | 2.58% | 2.23% | +104 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 | 11.25% | 10.66% | 11.09% | 11.60% | 9.56% | 12.44% | 11.51% | 13.23% | +164 bps | |
| Equity / Assets | 8.27% | 8.45% | 8.81% | 9.18% | 7.53% | 8.66% | 8.37% | 9.61% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.63% | 116.03% | 110.44% | 117.39% | 111.97% | 101.33% | 102.67% | 104.62% | -1,278 bps | |
| Liquid Assets / Assets | 2.77% | 2.76% | 2.85% | 2.94% | 2.98% | 1.23% | 1.64% | 1.74% | -120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |