Saint Charles, IL · Cert 34187
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.46% | -2.12% | -1.95% | -2.10% | -14.92% | -646 bps | |
| Return on Equity | -169.05% | -55.39% | -57.62% | -67.35% | -1219% | -104,962 bps | |
| Net Interest Margin | 2.15% | 2.24% | 2.19% | 2.35% | 2.45% | +30 bps | |
| Efficiency Ratio | 151.55% | 154.36% | 168.53% | 186.37% | 339% | +18,734 bps | |
| Non-Interest Burden | 3.40% | 3.70% | 4.14% | 4.92% | 8.52% | +512 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.23% | -13.20% | -15.12% | -20.75% | -19.85% | -1,162 bps | |
| Loan Growth (YoY) | -16.14% | -19.29% | -20.47% | -16.73% | -17.86% | -172 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 1.83% | 1.38% | 2.73% | 1.12% | 12.50% | +1,067 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 6.80% | 6.57% | 5.89% | 5.48% | -0.88% | -769 bps | |
| Equity / Assets | 4.14% | 3.50% | 3.28% | 2.96% | -0.67% | -481 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.04% | 73.01% | 72.78% | 72.82% | 73.18% | -586 bps | |
| Liquid Assets / Assets | 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 |