Oak Lawn, IL · Cert 29952
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Oak Lawn, IL · Cert 29952
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.72% | 0.28% | 0.41% | 0.69% | -3.47% | -4.00% | -7.12% | -753 bps | |
| Return on Equity | 11.48% | 6.87% | 2.73% | 4.03% | 6.97% | -36.24% | -44.46% | -90.66% | -9,469 bps | |
| Net Interest Margin | 3.28% | 3.20% | 3.23% | 3.25% | 3.46% | 3.46% | 2.96% | 2.53% | -71 bps | |
| Efficiency Ratio | 32.83% | 43.86% | 42.18% | 43.07% | 34.25% | 41.34% | 51.35% | 67.90% | +2,483 bps | |
| Non-Interest Burden | 0.93% | 1.27% | 1.22% | 1.26% | 0.99% | 1.21% | 1.37% | 1.61% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.74% | 10.19% | 8.12% | 6.46% | 8.79% | 4.22% | 5.27% | 2.00% | -446 bps | |
| Loan Growth (YoY) | 27.54% | 16.22% | 14.02% | 12.75% | 16.72% | 8.95% | -0.15% | -13.28% | -2,603 bps | |
| Deposit Growth (YoY) | 9.14% | 4.55% | 13.57% | 12.44% | 11.74% | 16.31% | 11.43% | 13.89% | +145 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 | 0.67% | 0.44% | 0.72% | 0.55% | -0.02% | 8.01% | 5.57% | 8.32% | +777 bps | |
| Allowance / Loans | 1.55% | 1.82% | 1.62% | 1.77% | 2.11% | 2.10% | 4.83% | 7.19% | +541 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 | 12.41% | 11.95% | 11.56% | 11.63% | 12.14% | 10.67% | 8.56% | 4.77% | -686 bps | |
| Equity / Assets | 10.66% | 10.27% | 9.71% | 9.75% | 10.13% | 8.81% | 7.29% | 3.32% | -643 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.51% | 105.12% | 99.07% | 101.29% | 102.90% | 98.47% | 88.78% | 77.13% | -2,416 bps | |
| Liquid Assets / Assets | 0.15% | 0.07% | 0.60% | 0.64% | 0.60% | 0.30% | 1.22% | 4.60% | +396 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |