Elmwood Park, IL · Cert 18117
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.38% | -7.70% | -4.53% | -13.51% | -12.90% | -1,251 bps | |
| Return on Equity | -3.91% | -87.93% | -54.54% | -189.47% | -312% | -30,811 bps | |
| Net Interest Margin | 2.40% | 2.32% | 1.85% | 1.83% | 1.90% | -51 bps | |
| Efficiency Ratio | 77.39% | 100.05% | 113.82% | 132.52% | 123.37% | +4,598 bps | |
| Non-Interest Burden | 1.83% | 2.39% | 2.17% | 4.08% | 4.98% | +315 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.65% | -4.10% | -0.97% | -3.53% | -14.10% | -1,345 bps | |
| Loan Growth (YoY) | 5.00% | 2.33% | -1.61% | -7.55% | -15.69% | -2,069 bps | |
| Deposit Growth (YoY) | 6.52% | 9.29% | 1.62% | 4.77% | -5.50% | -1,202 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.68% | 1.43% | 2.79% | 9.09% | 11.50% | +1,082 bps | |
| Allowance / Loans | 2.05% | 2.50% | 3.40% | 5.55% | 6.51% | +447 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.53% | 10.47% | 10.17% | 6.41% | 2.86% | -767 bps | |
| Equity / Assets | 9.61% | 7.87% | 8.75% | 5.47% | 2.69% | -692 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.15% | 100.01% | 95.91% | 90.16% | 90.24% | -1,091 bps | |
| Liquid Assets / Assets | 0.84% | 4.51% | 8.35% | 12.10% | 11.23% | +1,040 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |