Hoffman Estates, IL · Cert 23187
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.57% | -5.87% | -1.80% | -3.05% | -3.60% | -10.82% | -0.24% | +156 bps | |
| Return on Equity | -76.70% | -25.75% | -111.79% | -40.07% | -76.40% | -110.16% | -569% | -42.86% | -279 bps | |
| Net Interest Margin | 3.20% | 2.91% | 3.09% | 3.05% | 3.09% | 3.47% | 3.60% | 3.76% | +71 bps | |
| Efficiency Ratio | 118.34% | 122.17% | 102.83% | 112.14% | 127.55% | 129.81% | 265% | 140.90% | +2,876 bps | |
| Non-Interest Burden | 3.96% | 3.82% | 3.21% | 3.61% | 4.30% | 4.81% | 11.62% | 5.86% | +225 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% | 2.57% | 7.96% | 3.90% | 0.05% | 0.45% | 6.89% | 4.89% | +98 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 |