PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Trust Investments, National Association

Chicago, IL · Cert 27591

FDIC

Q3 2010

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

Executive Summary

  • Earnings: ROA of 7.81%, down 898 bps year over year; NIM at 0.70%.

Return on Assets (quarter, annualized)

7.81%-898 bps YoY

Net Interest Margin (quarter, annualized)

0.70%-7 bps YoY

Efficiency Ratio (quarter, annualized)

80.16%+2,284 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.51%Q3 ’080.78%Q3 ’090.70%Q3 ’10-49%-9%

Non-interest income vs. expense

47.59%Q3 ’0838.03%Q3 ’0949.20%Q3 ’10+30%+58%

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets28.95%18.86%14.95%16.79%21.31%5.63%7.73%7.81%-898 bps
Return on Equity32.83%21.17%16.79%18.86%23.80%6.14%8.35%8.48%-1,038 bps
Net Interest Margin1.07%0.88%0.81%0.78%0.72%0.71%0.72%0.70%-7 bps
Efficiency Ratio39.42%58.75%66.02%57.32%51.12%85.62%81.26%80.16%+2,284 bps
Non-Interest Burden-47.11%-31.48%-24.52%-27.54%-28.12%-7.98%-11.46%-11.48%+1,606 bps
Growth
Asset Growth (YoY)31.53%28.68%23.69%22.31%21.24%12.14%12.13%8.01%-1,430 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital111.48%115.71%123.65%129.95%138.62%141.16%143.93%147.44%+1,749 bps
Equity / Assets89.88%88.36%89.68%88.36%90.66%92.81%92.24%91.92%+357 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets17.36%16.13%15.69%14.63%14.12%14.12%13.70%13.24%-139 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a