Wilmette, IL · Cert 20435
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.22% | -0.49% | -0.91% | -2.48% | 0.28% | -0.58% | -2.36% | -145 bps | |
| Return on Equity | 11.74% | -2.73% | -6.06% | -10.38% | -26.34% | 2.96% | -6.01% | -24.72% | -1,434 bps | |
| Net Interest Margin | 3.63% | 3.67% | 3.88% | 3.79% | 3.51% | 3.60% | 3.98% | 3.71% | -8 bps | |
| Efficiency Ratio | 60.95% | 55.80% | 58.75% | 57.99% | 56.76% | 63.95% | 71.76% | 98.00% | +4,001 bps | |
| Non-Interest Burden | 2.06% | 1.86% | 2.13% | 2.10% | 1.84% | 2.19% | 2.78% | 3.66% | +156 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% | 0.60% | 0.80% | 9.48% | 1.95% | 1.29% | 2.15% | 5.54% | -395 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 |