PackageTrendsPeer
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Northern Trust Investments, National Association

Chicago, IL · Cert 27591

FDIC

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northern Trust Investments, National Association

Chicago, IL · Cert 27591

FDIC

Q3 2010

$629.8MAssets
n/aLoans
n/aDeposits
$578.9MEquity

NIM

1.38%Q3 ’080.78%Q3 ’090.69%Q3 ’10-43%-11%

Non-interest income vs. expense

45.23%Q3 ’0842.03%Q3 ’0949.94%Q3 ’10+38%+62%

Executive Summary

  • Earnings: ROA of 7.05%, down 979 bps year over year; NIM at 0.69%.

Financial Results

Return on Assets (YTD, annualized)

7.05%-979 bps YoY

Net Interest Margin (YTD, annualized)

0.69%-9 bps YoY

Efficiency Ratio (YTD, annualized)

82.28%+2,151 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets16.83%18.05%5.63%6.67%7.05%-979 bps
Return on Equity18.91%20.19%6.14%7.25%7.67%-1,124 bps
Net Interest Margin0.78%0.71%0.71%0.71%0.69%-9 bps
Efficiency Ratio60.78%58.47%85.62%83.36%82.28%+2,151 bps
Non-Interest Burden-26.35%-24.92%-7.98%-9.72%-10.06%+1,629 bps
Growth
Asset Growth (YoY)22.31%21.24%12.14%12.13%8.01%-1,430 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital129.95%138.62%141.16%143.93%147.44%+1,749 bps
Equity / Assets88.36%90.66%92.81%92.24%91.92%+357 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets14.63%14.12%14.12%13.70%13.24%-139 bps
CRE / Total Capitaln/an/an/an/an/an/an/a