Schaumburg, IL · Cert 19418
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -15.56% | 1.37% | -4.06% | 0.07% | 1.01%1 | -1.45% | 0.52% | -0.57% | -63 bps | |
| Return on Equity | -130.05% | 13.03% | -39.00% | 0.67% | 9.82% | -13.77% | 4.84% | -5.26% | -593 bps | |
| Net Interest Margin | 3.42% | 3.57% | 3.28% | 3.24% | 3.38% | 3.32% | 3.52% | 3.64% | +40 bps | |
| Efficiency Ratio | 72.26% | 61.48% | 77.02% | 74.87% | 70.56% | 79.74% | 89.12% | 91.53% | +1,667 bps | |
| Non-Interest Burden | 13.13% | 2.20% | 2.69% | 2.47% | 2.43% | 2.73% | 3.26% | 3.50% | +104 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 | 4.82% | 1.17% | 8.22% | 0.37% | 0.40% | 4.80% | 0.39% | 1.83% | +146 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 |