Chicago, IL · Cert 30600
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.22% | -1.31% | -9.66% | -4.19% | -2.61% | -2.11% | -8.12% | -1.83% | +235 bps | |
| Return on Equity | -14.82% | -17.18% | -149.11% | -80.90% | -59.18% | -54.18% | -290% | -110.84% | -2,994 bps | |
| Net Interest Margin | 2.71% | 2.69% | 2.17% | 2.40% | 1.93% | 1.65% | 2.05% | 2.01% | -39 bps | |
| Efficiency Ratio | 125.59% | 118.88% | 168.55% | 130.99% | 146.12% | 137.30% | 191.78% | 166.74% | +3,575 bps | |
| Non-Interest Burden | 3.57% | 3.30% | 4.12% | 3.44% | 3.85% | 2.86% | 5.04% | 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 | 0.02% | 1.25% | 1.07% | 4.24% | 0.02% | 0.00% | 7.06% | 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 |