Palos Heights, IL · Cert 17599
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | -10.55% | 0.61% | -0.86% | -1.23% | -13.98% | 0.12% | -5.61% | -475 bps | |
| Return on Equity | 8.13% | -184.17% | 11.96% | -18.12% | -26.07% | -400% | 5.78% | -369% | -35,068 bps | |
| Net Interest Margin | 2.98% | 2.86% | 2.66% | 2.42% | 2.56% | 2.79% | 2.65% | 2.73% | +31 bps | |
| Efficiency Ratio | 73.57% | 83.11% | 82.54% | 108.51% | 88.95% | 130.63% | 97.20% | 101.80% | -671 bps | |
| Non-Interest Burden | 1.94% | 2.23% | 2.04% | 2.70% | 2.17% | 6.80% | 2.55% | 2.79% | +9 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 | 0.61% | 3.79% | 0.11% | 2.81% | 0.03% | 8.62% | 0.11% | 2.00% | -81 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 |