Harvey, IL · Cert 18659
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 | 1.91% | 0.79% | 1.32% | -4.44% | -0.99% | -11.53% | -13.73% | -5.45% | -102 bps | |
| Return on Equity | 22.54% | 9.28% | 15.09% | -55.67% | -13.80% | -196.27% | -456% | -754% | -69,830 bps | |
| Net Interest Margin | 4.28% | 3.08% | 3.68% | 3.34% | 2.36% | 0.96% | 1.49% | -0.77% | -411 bps | |
| Efficiency Ratio | 38.50% | 50.87% | 42.25% | 42.45% | 55.78% | 184.33% | 83.43% | 416% | +37,313 bps | |
| Non-Interest Burden | 1.57% | 1.59% | 1.51% | 1.38% | 1.28% | 1.88% | 1.24% | 2.39% | +101 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 | -0.02% | 2.53% | 0.79% | 1.16% | 2.53% | 12.82% | 0.21% | 18.52% | +1,736 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 |