Waukegan, IL · Cert 28243
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.68% | -6.72% | -0.71% | -0.13% | -0.67% | -2.80% | -7.91% | -720 bps | |
| Return on Equity | -9.89% | -14.17% | -184.52% | -25.01% | -4.17% | -22.32% | -115.19% | -760% | -73,535 bps | |
| Net Interest Margin | 2.89% | 2.92% | 2.83% | 2.92% | 2.95% | 3.22% | 3.23% | 3.09% | +17 bps | |
| Efficiency Ratio | 112.03% | 125.60% | 166.17% | 115.68% | 99.69% | 114.88% | 154.34% | 237% | +12,140 bps | |
| Non-Interest Burden | 3.31% | 3.81% | 5.07% | 3.49% | 2.94% | 3.82% | 5.72% | 8.07% | +458 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.25% | -8.54% | -6.74% | -6.62% | -6.42% | -5.97% | -4.54% | -7.30% | -68 bps | |
| Loan Growth (YoY) | -4.71% | -6.58% | -10.65% | -10.40% | -10.03% | -4.49% | 0.20% | -0.42% | +998 bps | |
| Deposit Growth (YoY) | -2.55% | -3.64% | -5.32% | -3.12% | -3.68% | -2.85% | -1.82% | -6.27% | -315 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 | 1.59% | -0.05% | 5.50% | -0.01% | 0.06% | -0.01% | 0.80% | 0.34% | +35 bps | |
| Allowance / Loans | 0.74% | 0.92% | 1.23% | 1.28% | 1.45% | 1.56% | 1.49% | 2.39% | +110 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 | 8.44% | 8.62% | 6.48% | 6.23% | 6.07% | 5.70% | 4.56% | 0.65% | -558 bps | |
| Equity / Assets | 5.04% | 4.51% | 2.76% | 2.92% | 3.12% | 2.90% | 1.97% | 0.05% | -287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.08% | 86.11% | 81.32% | 82.11% | 84.14% | 84.66% | 83.00% | 87.24% | +513 bps | |
| Liquid Assets / Assets | 4.80% | 6.84% | 7.18% | 5.19% | 6.52% | 7.14% | 7.83% | 4.52% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |