Downers Grove, IL · Cert 17488
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Downers Grove, IL · Cert 17488
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.27% | -1.80% | -2.59% | -2.78% | -3.14% | -4.14% | -4.96% | -237 bps | |
| Return on Equity | 0.89% | -2.93% | -20.49% | -30.78% | -43.28% | -51.11% | -72.81% | -97.27% | -6,649 bps | |
| Net Interest Margin | 3.82% | 3.84% | 3.76% | 3.74% | 3.11% | 3.28% | 3.30% | 3.31% | -44 bps | |
| Efficiency Ratio | 74.30% | 78.93% | 78.84% | 83.16% | 79.41% | 87.46% | 90.11% | 94.74% | +1,159 bps | |
| Non-Interest Burden | 2.68% | 2.93% | 2.87% | 3.05% | 2.26% | 2.79% | 2.91% | 3.09% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 6.34% | 2.23% | -2.55% | -2.22% | -10.05% | -10.05% | -13.29% | -1,073 bps | |
| Loan Growth (YoY) | 8.49% | 7.22% | -0.08% | -15.53% | -17.27% | -23.34% | -27.73% | -27.02% | -1,149 bps | |
| Deposit Growth (YoY) | -0.37% | 3.74% | 2.08% | 0.38% | 1.48% | -3.42% | -2.93% | -5.95% | -633 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 | 0.28% | 0.57% | 1.54% | 4.82% | 0.17% | 2.63% | 6.45% | 7.13% | +231 bps | |
| Allowance / Loans | 1.44% | 1.70% | 2.61% | 2.89% | 4.96% | 5.33% | 4.08% | 4.60% | +171 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 | 12.32% | 12.08% | 11.11% | 10.35% | 9.90% | 7.57% | 6.52% | 4.97% | -538 bps | |
| Equity / Assets | 9.18% | 8.82% | 7.94% | 6.81% | 6.05% | 5.57% | 4.21% | 2.44% | -437 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.20% | 97.98% | 96.59% | 85.72% | 81.68% | 77.76% | 71.91% | 66.52% | -1,920 bps | |
| Liquid Assets / Assets | 0.09% | 0.09% | 6.74% | 13.45% | 18.57% | 20.05% | 22.16% | 19.41% | +596 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |