Hoffman Estates, IL · Cert 23187
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Hoffman Estates, IL · Cert 23187
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.36% | -3.46% | -4.27% | -3.68% | -3.05% | -3.32% | -5.79% | -4.47% | -79 bps | |
| Return on Equity | -76.70% | -52.33% | -69.69% | -63.56% | -76.40% | -91.44% | -194.83% | -180.35% | -11,679 bps | |
| Net Interest Margin | 3.20% | 3.08% | 3.10% | 3.17% | 3.09% | 3.33% | 3.50% | 3.70% | +53 bps | |
| Efficiency Ratio | 118.34% | 120.24% | 114.32% | 113.75% | 127.55% | 128.67% | 175.23% | 166.48% | +5,273 bps | |
| Non-Interest Burden | 3.96% | 3.91% | 3.70% | 3.78% | 4.30% | 4.63% | 7.07% | 7.04% | +326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.74% | -3.99% | -3.40% | -8.19% | -9.02% | -8.92% | -13.45% | -11.02% | -283 bps | |
| Loan Growth (YoY) | -10.07% | -10.96% | -13.62% | -16.69% | -15.83% | -18.07% | -16.41% | -24.19% | -750 bps | |
| Deposit Growth (YoY) | -0.49% | 2.54% | 0.33% | -5.13% | -6.19% | -7.88% | -9.46% | -9.42% | -429 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 | 3.19% | 2.95% | 4.75% | 4.72% | 0.05% | 0.25% | 2.47% | 3.37% | -135 bps | |
| Allowance / Loans | 2.59% | 2.28% | 2.55% | 2.16% | 2.84% | 3.92% | 3.79% | 3.21% | +105 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 | 8.66% | 8.55% | 7.01% | 6.80% | 5.89% | 5.01% | 0.38% | 0.25% | -655 bps | |
| Equity / Assets | 6.32% | 5.86% | 4.62% | 4.34% | 3.63% | 2.91% | 0.79% | 0.33% | -401 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.45% | 77.02% | 74.63% | 73.77% | 72.18% | 68.50% | 68.91% | 61.75% | -1,203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.95% | 1.02% | 1.01% | 2.10% | 8.24% | +629 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |