Saint Charles, IL · Cert 34187
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 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.
Saint Charles, IL · Cert 34187
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.90% | -1.50% | -2.17% | -3.71% | -2.12% | -2.05% | -2.07% | -5.00% | -129 bps | |
| Return on Equity | -12.51% | -21.24% | -32.25% | -59.36% | -55.39% | -56.20% | -59.17% | -181.02% | -12,166 bps | |
| Net Interest Margin | 1.89% | 1.93% | 1.90% | 2.04% | 2.24% | 2.25% | 2.41% | 2.52% | +48 bps | |
| Efficiency Ratio | 147.51% | 151.22% | 155.13% | 154.24% | 154.36% | 161.54% | 169.68% | 205% | +5,097 bps | |
| Non-Interest Burden | 2.95% | 3.09% | 3.19% | 3.36% | 3.70% | 3.98% | 4.52% | 5.70% | +234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.37% | 8.99% | 9.59% | -8.23% | -13.20% | -15.12% | -20.75% | -19.85% | -1,162 bps | |
| Loan Growth (YoY) | -6.48% | -6.78% | -16.12% | -16.14% | -19.29% | -20.47% | -16.73% | -17.86% | -172 bps | |
| Deposit Growth (YoY) | 13.31% | 14.41% | 14.19% | -1.44% | -6.21% | -5.46% | -12.30% | -11.28% | -985 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 | 0.51% | 0.38% | 1.72% | 1.79% | 1.38% | 2.09% | 1.83% | 4.56% | +277 bps | |
| Allowance / Loans | 1.50% | 2.15% | 2.84% | 4.10% | 4.47% | 4.07% | 3.98% | 4.23% | +13 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 | 10.11% | 10.12% | 9.16% | 6.80% | 6.57% | 5.89% | 5.48% | -0.88% | -769 bps | |
| Equity / Assets | 6.88% | 6.76% | 5.79% | 4.14% | 3.50% | 3.28% | 2.96% | -0.67% | -481 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.85% | 86.52% | 76.70% | 79.04% | 73.01% | 72.78% | 72.82% | 73.18% | -586 bps | |
| Liquid Assets / Assets | 0.13% | 0.17% | 3.10% | 4.25% | 18.14% | 10.07% | 11.68% | 9.58% | +533 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |