Worth, IL · Cert 18390
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | -0.47% | 0.89% | 0.22% | -1.15% | -2.48% | -12.00% | -3.66% | -387 bps | |
| Return on Equity | 12.74% | -7.00% | 13.96% | 3.52% | -19.59% | -45.34% | -291% | -139.90% | -14,342 bps | |
| Net Interest Margin | 3.18% | 2.98% | 3.05% | 2.88% | 2.52% | 2.41% | 2.12% | 2.16% | -72 bps | |
| Efficiency Ratio | 67.07% | 84.28% | 68.13% | 76.20% | 71.50% | 93.73% | 93.21% | 111.40% | +3,520 bps | |
| Non-Interest Burden | 1.84% | 2.36% | 1.76% | 1.95% | 1.45% | 2.20% | 1.91% | 2.53% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | 1.93% | 0.11% | 0.15% | -0.80% | -4.34% | -1.42% | -8.56% | -871 bps | |
| Loan Growth (YoY) | 2.06% | 4.06% | 6.41% | 3.70% | 2.47% | -4.01% | -8.81% | -9.73% | -1,343 bps | |
| Deposit Growth (YoY) | 3.98% | 3.27% | -0.96% | 0.95% | 0.76% | -0.85% | 4.51% | 3.66% | +271 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 | 0.04% | 0.03% | 0.73% | 1.22% | 0.96% | 1.80% | 0.16% | 1.37% | +15 bps | |
| Allowance / Loans | 1.00% | 1.43% | 1.20% | 1.07% | 2.00% | 2.38% | 2.81% | 3.58% | +251 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 | 10.83% | 10.59% | 10.32% | 10.27% | 10.62% | 10.30% | 5.87% | 4.92% | -534 bps | |
| Equity / Assets | 6.95% | 6.39% | 6.34% | 6.06% | 5.69% | 5.23% | 3.05% | 2.14% | -391 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.54% | 80.68% | 84.14% | 82.03% | 79.87% | 78.11% | 73.41% | 71.43% | -1,060 bps | |
| Liquid Assets / Assets | 0.43% | 0.57% | 0.58% | 0.50% | 0.48% | 0.57% | 6.25% | 0.89% | +38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |