Wilmette, IL · Cert 20435
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Wilmette, IL · Cert 20435
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.35% | 0.07% | -0.17% | -2.48% | -1.12% | -0.94% | -1.28% | -111 bps | |
| Return on Equity | 11.74% | 4.41% | 0.85% | -2.10% | -26.34% | -11.84% | -9.92% | -13.52% | -1,143 bps | |
| Net Interest Margin | 3.63% | 3.62% | 3.72% | 3.79% | 3.51% | 3.63% | 3.77% | 3.85% | +6 bps | |
| Efficiency Ratio | 60.95% | 58.33% | 58.48% | 58.36% | 56.76% | 60.30% | 64.30% | 71.02% | +1,266 bps | |
| Non-Interest Burden | 2.06% | 1.95% | 2.01% | 2.06% | 1.84% | 2.06% | 2.31% | 2.70% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.89% | 3.43% | -0.29% | -4.06% | -8.93% | -11.93% | -12.77% | -12.38% | -832 bps | |
| Loan Growth (YoY) | 6.49% | 8.45% | 4.77% | -2.31% | -3.08% | -7.97% | -7.86% | -15.35% | -1,304 bps | |
| Deposit Growth (YoY) | 1.81% | 4.11% | 5.31% | -7.03% | -10.89% | -11.35% | -11.23% | -5.71% | +133 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 | 0.38% | 0.48% | 0.60% | 2.83% | 1.95% | 1.64% | 1.83% | 2.92% | +9 bps | |
| Allowance / Loans | 1.34% | 1.87% | 2.55% | 1.24% | 2.41% | 2.48% | 2.72% | 2.88% | +164 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 | 11.16% | 10.84% | 11.44% | 12.52% | 11.86% | 12.04% | 12.59% | 13.90% | +139 bps | |
| Equity / Assets | 7.87% | 8.08% | 8.23% | 9.36% | 9.45% | 9.51% | 9.66% | 9.42% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.17% | 89.04% | 90.50% | 95.87% | 95.91% | 92.44% | 93.93% | 86.07% | -980 bps | |
| Liquid Assets / Assets | 11.78% | 11.24% | 11.41% | 6.10% | 4.62% | 4.56% | 7.15% | 11.46% | +537 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |