Chicago, IL · Cert 27935
FDIC
Q2 2011
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 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.24% | -8.62% | -2.64% | -3.77% | -3.73% | -8.40% | -4.15% | -2.76% | +102 bps | |
| Return on Equity | -36.38% | -79.09% | -35.55% | -53.32% | -51.38% | -132.42% | -239% | -179.56% | -12,624 bps | |
| Net Interest Margin | 2.52% | 2.52% | 2.41% | 2.55% | 2.56% | 2.64% | 2.67% | 2.74% | +19 bps | |
| Efficiency Ratio | 89.09% | 92.86% | 111.66% | 111.77% | 119.79% | 130.30% | 109.78% | 123.79% | +1,202 bps | |
| Non-Interest Burden | 2.38% | 6.00% | 2.88% | 3.07% | 3.32% | 3.74% | 3.13% | 3.66% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | -8.60% | -10.18% | -9.71% | -16.56% | -15.33% | -15.85% | -18.30% | -859 bps | |
| Loan Growth (YoY) | -10.32% | -16.56% | -17.34% | -14.94% | -13.44% | -14.55% | -13.71% | -15.42% | -48 bps | |
| Deposit Growth (YoY) | 14.28% | 8.02% | 1.22% | -0.29% | -13.30% | -11.11% | -11.20% | -14.35% | -1,405 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 7.18% | 6.97% | 5.66% | 7.42% | 6.14% | 8.58% | 5.82% | 8.11% | +69 bps | |
| Allowance / Loans | 4.69% | 5.95% | 5.48% | 4.84% | 4.99% | 5.78% | 5.70% | 3.46% | -138 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.52% | 8.74% | 8.17% | 6.74% | 8.81% | 3.51% | 2.03% | 1.39% | -535 bps | |
| Equity / Assets | 11.88% | 7.63% | 7.24% | 6.33% | 7.86% | 2.20% | 1.26% | 1.10% | -523 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.20% | 87.82% | 87.14% | 87.26% | 88.05% | 84.42% | 84.68% | 86.17% | -109 bps | |
| Liquid Assets / Assets | 9.31% | 7.97% | 8.79% | 7.00% | 7.86% | 6.18% | 6.83% | 4.52% | -248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |