Elgin, IL · Cert 19042
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Elgin, IL · Cert 19042
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | -1.34% | 1.10% | 0.49% | 0.42% | -1.26% | 0.02% | 0.20% | -28 bps | |
| Return on Equity | 8.01% | -15.19% | 14.35% | 6.45% | 5.59% | -17.28% | 0.26% | 3.14% | -330 bps | |
| Net Interest Margin | 3.63% | 3.53% | 3.50% | 3.08% | 2.90% | 2.96% | 2.85% | 2.90% | -19 bps | |
| Efficiency Ratio | 66.74% | 66.33% | 69.07% | 79.52% | 80.95% | 86.78% | 95.54% | 91.35% | +1,183 bps | |
| Non-Interest Burden | 2.26% | 2.19% | 2.27% | 2.38% | 2.28% | 2.54% | 2.72% | 2.63% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.93% | 0.32% | 4.09% | 9.01% | 5.73% | 2.95% | -1.43% | -11.29% | -2,029 bps | |
| Loan Growth (YoY) | 1.93% | -3.42% | -6.34% | -11.96% | -15.24% | -19.83% | -21.18% | -21.63% | -967 bps | |
| Deposit Growth (YoY) | 12.94% | 6.55% | 6.95% | 9.72% | 6.30% | 2.73% | -0.83% | -8.96% | -1,867 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 | 0.58% | 2.15% | 0.31% | 0.36% | 1.04% | 2.80% | 0.74% | 0.80% | +44 bps | |
| Allowance / Loans | 1.07% | 2.15% | 2.21% | 2.35% | 1.96% | 2.60% | 2.64% | 2.59% | +24 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 | 11.00% | 9.43% | 10.57% | 12.58% | 12.92% | 12.13% | 12.72% | 13.27% | +69 bps | |
| Equity / Assets | 8.97% | 7.30% | 7.97% | 7.47% | 7.55% | 6.29% | 6.44% | 6.81% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.71% | 90.44% | 84.91% | 76.91% | 73.13% | 70.58% | 67.49% | 66.20% | -1,071 bps | |
| Liquid Assets / Assets | 0.42% | 0.55% | 0.14% | 12.44% | 12.48% | 17.80% | 19.85% | 19.20% | +676 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |