Chicago, IL · Cert 27591
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 27591
FDIC
Q3 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 16.83% | 18.05% | 5.63% | 6.67% | 7.05% | -979 bps | |
| Return on Equity | 18.91% | 20.19% | 6.14% | 7.25% | 7.67% | -1,124 bps | |
| Net Interest Margin | 0.78% | 0.71% | 0.71% | 0.71% | 0.69% | -9 bps | |
| Efficiency Ratio | 60.78% | 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/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 129.95% | 138.62% | 141.16% | 143.93% | 147.44% | +1,749 bps | |
| Equity / Assets | 88.36% | 90.66% | 92.81% | 92.24% | 91.92% | +357 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 14.63% | 14.12% | 14.12% | 13.70% | 13.24% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |