Palos Heights, IL · Cert 17599
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 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.
Palos Heights, IL · Cert 17599
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | -1.95% | 0.61% | -0.13% | -0.50% | -3.79% | 0.12% | -2.76% | -263 bps | |
| Return on Equity | 11.17% | -28.08% | 11.96% | -2.67% | -10.14% | -87.04% | 5.78% | -165.29% | -16,261 bps | |
| Net Interest Margin | 2.93% | 2.95% | 2.66% | 2.49% | 2.53% | 2.73% | 2.65% | 2.69% | +20 bps | |
| Efficiency Ratio | 73.42% | 75.67% | 82.54% | 95.35% | 93.18% | 130.63% | 97.20% | 99.57% | +421 bps | |
| Non-Interest Burden | 1.86% | 1.97% | 2.04% | 2.33% | 2.29% | 3.55% | 2.55% | 2.67% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.99% | -7.31% | -0.25% | -0.92% | 0.39% | -5.54% | -7.49% | -6.94% | -602 bps | |
| Loan Growth (YoY) | 13.53% | 3.24% | 0.53% | -2.42% | -5.34% | -10.09% | -8.34% | -11.39% | -897 bps | |
| Deposit Growth (YoY) | -3.14% | -4.43% | 0.56% | 4.58% | 5.23% | -0.07% | -2.81% | -3.33% | -790 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 | 0.21% | 1.10% | 0.11% | 1.46% | 1.00% | 2.95% | 0.11% | 1.06% | -40 bps | |
| Allowance / Loans | 1.18% | 2.59% | 2.63% | 2.12% | 2.67% | 3.96% | 3.96% | 5.81% | +369 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 | 10.74% | 8.76% | 8.74% | 8.41% | 8.36% | 4.88% | 4.92% | 3.37% | -505 bps | |
| Equity / Assets | 6.25% | 5.20% | 5.00% | 4.51% | 4.92% | 1.96% | 2.17% | 0.87% | -364 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.85% | 82.38% | 76.97% | 75.77% | 75.43% | 74.12% | 72.59% | 69.45% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 6.07% | 3.82% | 5.14% | 5.02% | 8.66% | 10.20% | +639 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |