Chicago, IL · Charter 23873
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -1.89% | -2.83% | -0.88% | -0.99% | -1.49% | -1.01% | -1.01% | -13 bps | |
| Return on Equity | -9.96% | -13.82% | -24.29% | -7.68% | -9.53% | -12.46% | -9.45% | -11.19% | -351 bps | |
| Net Interest Margin | 3.46% | 4.33% | 3.66% | 3.22% | 2.90% | 3.37% | 2.17% | 2.25% | -97 bps | |
| Efficiency Ratio | 107.16% | 109.67% | 112.96% | 93.17% | 104.05% | 114.97% | 128.10% | 124.35% | +3,118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.23% | -4.10% | -3.88% | -9.14% | -1.68% | 1.79% | 0.35% | 7.74% | +1,688 bps | |
| Loan Growth (YoY) | -33.41% | -23.38% | -32.96% | -32.43% | -34.93% | -41.04% | -12.28% | 22.15% | +5,459 bps | |
| Share Growth (YoY) | -8.36% | -2.79% | -2.33% | -8.62% | -0.67% | 3.58% | 1.35% | 10.81% | +1,943 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.80% | 4.38% | 5.05% | 4.05% | 4.15% | 9.38% | 8.04% | 5.87% | +182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.73% | 9.24% | 12.14% | 12.45% | 14.30% | 14.21% | 12.18% | 9.25% | -320 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.62% | 13.71% | 11.66% | 11.41% | 10.41% | 11.98% | 10.71% | 9.02% | -239 bps | |
| Net Worth / Assets | 11.62% | 13.71% | 11.66% | 11.41% | 10.41% | 11.98% | 10.71% | 9.02% | -239 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.35% | 19.81% | 13.68% | 12.37% | 10.06% | 11.28% | 11.84% | 13.64% | +127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |