Chicago, IL · Cert 30600
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Chicago, IL · Cert 30600
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -0.96% | -3.11% | -4.19% | -3.39% | -2.97% | -4.21% | -1.83% | +235 bps | |
| Return on Equity | -9.22% | -11.74% | -40.51% | -80.90% | -70.53% | -65.48% | -104.44% | -110.84% | -2,994 bps | |
| Net Interest Margin | 2.55% | 2.58% | 2.58% | 2.40% | 2.20% | 2.03% | 2.08% | 2.01% | -39 bps | |
| Efficiency Ratio | 117.36% | 117.88% | 129.11% | 130.99% | 139.22% | 138.65% | 150.55% | 166.74% | +3,575 bps | |
| Non-Interest Burden | 3.09% | 3.15% | 3.52% | 3.44% | 3.71% | 3.44% | 3.91% | 3.80% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | -0.41% | -4.62% | -10.89% | -10.30% | -12.76% | -12.22% | -11.08% | -20 bps | |
| Loan Growth (YoY) | 10.02% | 11.56% | -1.84% | -4.43% | -3.68% | -5.72% | -1.80% | -8.08% | -365 bps | |
| Deposit Growth (YoY) | -0.15% | 0.43% | -0.49% | -5.62% | -4.78% | -6.06% | -7.40% | -8.06% | -244 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 | 0.01% | 0.42% | 0.61% | 4.24% | 2.10% | 1.39% | 2.85% | 0.52% | -373 bps | |
| Allowance / Loans | 1.13% | 1.02% | 2.36% | 2.36% | 2.54% | 2.82% | 2.79% | 2.88% | +52 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 | 11.25% | 11.06% | 8.93% | 7.63% | 6.88% | 6.24% | 3.71% | 2.78% | -485 bps | |
| Equity / Assets | 7.93% | 7.38% | 5.53% | 4.80% | 4.04% | 3.73% | 1.83% | 1.47% | -333 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.69% | 97.99% | 92.54% | 96.57% | 94.77% | 98.34% | 98.13% | 96.55% | -2 bps | |
| Liquid Assets / Assets | 0.28% | 0.27% | 0.41% | 0.27% | 0.20% | 0.25% | 0.24% | 0.25% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |