Chicago, IL · Cert 27591
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 16.79% | 21.31% | 5.63% | 7.73% | 7.81% | -898 bps | |
| Return on Equity | 18.86% | 23.80% | 6.14% | 8.35% | 8.48% | -1,038 bps | |
| Net Interest Margin | 0.78% | 0.72% | 0.71% | 0.72% | 0.70% | -7 bps | |
| Efficiency Ratio | 57.32% | 51.12% | 85.62% | 81.26% | 80.16% | +2,284 bps | |
| Non-Interest Burden | -27.54% | -28.12% | -7.98% | -11.46% | -11.48% | +1,606 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 |