Oak Forest, IL · Cert 20203
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.
Oak Forest, IL · Cert 20203
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 | 2.63% | 2.17% | 1.60% | 1.53% | 1.39% | 0.55% | -42.56% | -20.97% | -2,251 bps | |
| Return on Equity | 26.00% | 21.58% | 16.45% | 16.08% | 14.76% | 5.91% | -993% | -793% | -80,925 bps | |
| Net Interest Margin | 5.66% | 5.42% | 5.00% | 5.17% | 4.96% | 4.55% | 0.57% | 2.12% | -305 bps | |
| Efficiency Ratio | 56.53% | 62.16% | 72.47% | 68.52% | 67.40% | 70.32% | 291% | 135.70% | +6,719 bps | |
| Non-Interest Burden | 2.82% | 3.04% | 3.44% | 3.33% | 3.09% | 2.99% | 2.75% | 3.08% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.60% | -1.79% | 5.99% | 7.12% | 7.67% | 9.72% | -4.76% | 1.30% | -582 bps | |
| Loan Growth (YoY) | 5.63% | 4.67% | 4.14% | 6.14% | 6.98% | 10.23% | -1.03% | -5.48% | -1,162 bps | |
| Deposit Growth (YoY) | 5.65% | 6.73% | 11.15% | 10.33% | 4.72% | 10.75% | 6.20% | 15.59% | +526 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 | -0.04% | 0.62% | 0.01% | 0.00% | 0.08% | 1.06% | 32.98% | 16.76% | +1,676 bps | |
| Allowance / Loans | 1.27% | 0.98% | 1.01% | 1.18% | 1.33% | 1.16% | 6.16% | 6.26% | +507 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 | 12.63% | 12.18% | 11.88% | 11.90% | 11.85% | 11.06% | -0.97% | -1.77% | -1,366 bps | |
| Equity / Assets | 10.09% | 9.96% | 9.56% | 9.08% | 9.14% | 8.78% | -0.65% | -0.56% | -964 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.43% | 90.60% | 86.49% | 90.34% | 93.40% | 90.18% | 80.60% | 73.87% | -1,646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |