Chicago, IL · Cert 22853
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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.
Chicago, IL · Cert 22853
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.11% | 1.48% | -1.16% | -0.38% | -3.70% | -3.02% | -6.30% | -0.92% | -54 bps | |
| Return on Equity | 26.13% | 13.09% | -11.25% | -5.87% | -59.18% | -50.42% | -117.84% | -34.82% | -2,895 bps | |
| Net Interest Margin | 5.19% | 4.61% | 4.27% | 2.93% | 2.54% | 2.13% | 1.97% | 1.38% | -155 bps | |
| Efficiency Ratio | 15.70% | 16.19% | 31.28% | 37.64% | 74.09% | 85.62% | 118.14% | 102.98% | +6,534 bps | |
| Non-Interest Burden | 0.75% | 0.71% | 1.31% | 1.07% | 1.87% | 1.82% | 2.34% | 1.42% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.51% | 16.08% | 6.98% | 7.88% | 5.54% | -0.18% | -1.65% | -12.21% | -2,009 bps | |
| Loan Growth (YoY) | 8.92% | 13.98% | 9.03% | 10.69% | 7.40% | -3.36% | -6.37% | -12.15% | -2,284 bps | |
| Deposit Growth (YoY) | 13.82% | 19.44% | 16.54% | 17.07% | 13.56% | 6.17% | 4.57% | -6.26% | -2,333 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 | 0.23% | 1.96% | 3.82% | 2.31% | 1.14% | 1.97% | 6.11% | 1.05% | -126 bps | |
| Allowance / Loans | 1.99% | 1.94% | 2.40% | 2.49% | 4.45% | 4.01% | 2.23% | 2.39% | -10 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 | 13.95% | 12.70% | 11.13% | 10.31% | 8.01% | 8.07% | 4.53% | 4.42% | -589 bps | |
| Equity / Assets | 11.01% | 9.64% | 6.43% | 6.68% | 5.65% | 5.24% | 2.63% | 2.68% | -400 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.37% | 95.04% | 92.59% | 90.88% | 89.26% | 86.50% | 82.91% | 85.17% | -571 bps | |
| Liquid Assets / Assets | 0.03% | 0.17% | 0.02% | 0.14% | 0.03% | 7.14% | 8.27% | 3.94% | +380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |