Lincolnwood, IL · Cert 17309
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Lincolnwood, IL · Cert 17309
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | 2.77% | 1.91% | 1.61% | 1.40% | 1.14% | -0.44% | -24.16% | -2,578 bps | |
| Return on Equity | 32.23% | 31.21% | 21.52% | 19.50% | 17.33% | 14.04% | -5.52% | -565% | -58,442 bps | |
| Net Interest Margin | 5.60% | 6.06% | 5.89% | 4.53% | 3.61% | 3.64% | 3.80% | 0.89% | -364 bps | |
| Efficiency Ratio | 51.47% | 52.65% | 53.68% | 65.88% | 69.23% | 73.38% | 74.05% | n/a | n/a | |
| Non-Interest Burden | 2.79% | 3.08% | 3.03% | 2.91% | 2.27% | 2.52% | 2.68% | 6.57% | +366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | -4.41% | -11.56% | -2.73% | 6.31% | 4.51% | 3.57% | -8.54% | -580 bps | |
| Loan Growth (YoY) | 2.30% | -1.46% | -10.14% | -6.51% | -6.42% | 0.21% | -4.39% | -2.26% | +426 bps | |
| Deposit Growth (YoY) | -3.56% | -5.27% | -11.59% | -2.08% | 8.22% | 6.39% | 5.63% | -1.94% | +14 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 | -0.12% | -0.07% | 0.38% | 0.01% | 0.50% | 0.33% | 0.26% | 13.35% | +1,334 bps | |
| Allowance / Loans | 1.18% | 1.23% | 1.67% | 1.66% | 1.50% | 1.47% | 3.40% | 5.33% | +367 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 | 11.07% | 11.48% | 10.83% | 10.58% | 11.18% | 10.81% | 9.38% | 2.63% | -795 bps | |
| Equity / Assets | 9.30% | 9.45% | 8.81% | 7.80% | 7.77% | 8.20% | 7.26% | 1.22% | -658 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.62% | 97.69% | 99.50% | 89.17% | 85.28% | 92.02% | 90.06% | 88.88% | -29 bps | |
| Liquid Assets / Assets | 0.09% | 0.19% | 0.19% | 0.17% | 0.74% | 6.68% | 2.23% | 3.50% | +333 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |