Schaumburg, IL · Cert 19418
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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.
Schaumburg, IL · Cert 19418
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.47% | 1.37% | -1.33% | -0.86% | -0.40% | -1.45% | -0.48% | -0.51% | +35 bps | |
| Return on Equity | -27.90% | 13.03% | -12.84% | -8.38% | -3.92% | -13.77% | -4.54% | -4.78% | +360 bps | |
| Net Interest Margin | 3.70% | 3.57% | 3.44% | 3.31% | 3.42% | 3.32% | 3.48% | 3.58% | +28 bps | |
| Efficiency Ratio | 60.62% | 61.48% | 68.39% | 70.61% | 70.60% | 79.74% | 84.49% | 86.70% | +1,609 bps | |
| Non-Interest Burden | 4.89% | 2.20% | 2.45% | 2.41% | 2.49% | 2.73% | 3.05% | 3.24% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.75% | -10.50% | -11.42% | -6.53% | -7.00% | -8.17% | -10.57% | -13.63% | -710 bps | |
| Loan Growth (YoY) | -6.86% | -9.14% | -7.35% | -7.70% | -7.18% | -8.13% | -10.33% | -13.47% | -576 bps | |
| Deposit Growth (YoY) | 10.32% | 9.82% | -0.30% | -0.23% | -5.12% | -6.87% | -11.99% | -14.89% | -1,466 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 | 1.77% | 1.17% | 4.70% | 3.34% | 2.66% | 4.80% | 2.67% | 2.50% | -84 bps | |
| Allowance / Loans | 3.75% | 3.54% | 3.06% | 3.32% | 3.55% | 3.15% | 3.16% | 3.15% | -17 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 | 14.01% | 14.49% | 13.31% | 13.73% | 14.63% | 14.44% | 14.96% | 15.72% | +199 bps | |
| Equity / Assets | 10.23% | 10.77% | 10.04% | 10.00% | 10.54% | 10.51% | 10.78% | 10.75% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.29% | 85.41% | 83.58% | 79.40% | 84.41% | 84.26% | 85.16% | 80.73% | +133 bps | |
| Liquid Assets / Assets | 3.15% | 3.07% | 5.29% | 9.86% | 9.89% | 8.56% | 8.16% | 11.96% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |