Oak Lawn, IL · Cert 29952
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.23% | -0.58% | 0.79% | 0.69% | -7.59% | -5.09% | -16.33% | -1,712 bps | |
| Return on Equity | 11.48% | 2.21% | -5.78% | 8.09% | 6.97% | -80.01% | -63.27% | -307% | -31,477 bps | |
| Net Interest Margin | 3.28% | 3.14% | 3.51% | 3.38% | 3.46% | 3.46% | 2.02% | 1.34% | -204 bps | |
| Efficiency Ratio | 32.83% | 55.09% | 39.22% | 45.64% | 34.25% | 48.19% | 85.37% | 161.09% | +11,544 bps | |
| Non-Interest Burden | 0.93% | 1.61% | 1.20% | 1.41% | 0.99% | 1.44% | 1.69% | 2.39% | +98 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% | 0.23% | 1.32% | 0.11% | -0.02% | 16.05% | -0.01% | 14.56% | +1,446 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 |