Harvey, IL · Cert 18659
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Harvey, IL · Cert 18659
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.24% | 1.32% | -1.62% | -1.41% | -4.04% | -13.73% | -9.66% | -804 bps | |
| Return on Equity | 15.91% | 13.98% | 15.09% | -19.85% | -17.83% | -55.91% | -456% | -474% | -45,425 bps | |
| Net Interest Margin | 3.58% | 3.14% | 3.68% | 3.36% | 2.97% | 2.45% | 1.49% | 0.40% | -296 bps | |
| Efficiency Ratio | 41.65% | 43.88% | 42.25% | 42.35% | 45.95% | 60.37% | 83.43% | 411% | +36,899 bps | |
| Non-Interest Burden | 1.41% | 1.33% | 1.51% | 1.38% | 1.32% | 1.46% | 1.24% | 1.85% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.91% | 30.28% | 26.27% | 35.82% | 23.88% | 11.15% | 7.94% | -6.04% | -4,186 bps | |
| Loan Growth (YoY) | 23.73% | 25.77% | 36.25% | 49.75% | 35.61% | 22.92% | 4.15% | -13.17% | -6,292 bps | |
| Deposit Growth (YoY) | 24.65% | 31.72% | 26.30% | 37.39% | 22.62% | 13.39% | 14.99% | -0.69% | -3,808 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 | 0.19% | 0.77% | 0.79% | 0.93% | 1.46% | 4.35% | 0.21% | 9.37% | +844 bps | |
| Allowance / Loans | 1.49% | 1.01% | 1.06% | 2.43% | 2.40% | 2.47% | 6.96% | 3.55% | +111 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 | 10.60% | 10.52% | 10.19% | 8.76% | 10.53% | 7.75% | 2.52% | -0.29% | -905 bps | |
| Equity / Assets | 8.37% | 8.62% | 8.90% | 7.13% | 7.20% | 4.56% | 1.42% | 0.00% | -713 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.50% | 82.73% | 94.34% | 93.72% | 96.77% | 89.68% | 85.44% | 81.94% | -1,178 bps | |
| Liquid Assets / Assets | 0.13% | 0.12% | 0.17% | 0.11% | 0.11% | 3.63% | 7.03% | 7.72% | +762 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |