PackageTrendsPeer
Letter portraitLegal landscape

Downers Grove National Bank

Downers Grove, IL · Cert 17488

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Downers Grove National Bank

Downers Grove, IL · Cert 17488

FDIC

Q4 2010

$219.0MAssets
$141.4MLoans
$212.6MDeposits
$5.3MEquity
Loan mix
86%RE $112.6M13%C&I $17.5M0%Consumer $0.4MQ4 2009Q4 2010
Deposit mix
83%Interest-bearing $176.9M17%Noninterest $35.8MQ4 2009Q4 2010

NIM

5.62%Q4 ’085.08%Q4 ’094.17%Q4 ’10-2%-12%

Non-interest income vs. expense

3.15%Q4 ’083.41%Q4 ’093.82%Q4 ’10+20%+1%

Executive Summary

  • Earnings: ROA of -4.96%, down 237 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.13%.
  • Funding: loans stand at 66.52% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-4.96%-237 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-44 bps YoY

Efficiency Ratio (YTD, annualized)

94.74%+1,159 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-2.59%-2.78%-3.14%-4.14%-4.96%-237 bps
Return on Equity-30.78%-43.28%-51.11%-72.81%-97.27%-6,649 bps
Net Interest Margin3.74%3.11%3.28%3.30%3.31%-44 bps
Efficiency Ratio83.16%79.41%87.46%90.11%94.74%+1,159 bps
Non-Interest Burden3.05%2.26%2.79%2.91%3.09%+4 bps
Growth
Asset Growth (YoY)-2.55%-2.22%-10.05%-10.05%-13.29%-1,073 bps
Loan Growth (YoY)-15.53%-17.27%-23.34%-27.73%-27.02%-1,149 bps
Deposit Growth (YoY)0.38%1.48%-3.42%-2.93%-5.95%-633 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.82%0.17%2.63%6.45%7.13%+231 bps
Allowance / Loans2.89%4.96%5.33%4.08%4.60%+171 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.35%9.90%7.57%6.52%4.97%-538 bps
Equity / Assets6.81%6.05%5.57%4.21%2.44%-437 bps
Liquidity & Funding
Loans / Deposits85.72%81.68%77.76%71.91%66.52%-1,920 bps
Liquid Assets / Assets13.45%18.57%20.05%22.16%19.41%+596 bps
CRE / Total Capitaln/an/an/an/an/an/an/a