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 | 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% | -2.07% | -3.56% | -8.46% | -2.12% | -1.95% | -2.10% | -14.92% | -646 bps | |
| Return on Equity | -12.51% | -30.29% | -56.78% | -169.05% | -55.39% | -57.62% | -67.35% | -1219% | -104,962 bps | |
| Net Interest Margin | 1.89% | 1.93% | 1.80% | 2.15% | 2.24% | 2.19% | 2.35% | 2.45% | +30 bps | |
| Efficiency Ratio | 147.51% | 154.89% | 162.59% | 151.55% | 154.36% | 168.53% | 186.37% | 339% | +18,734 bps | |
| Non-Interest Burden | 2.95% | 3.18% | 3.31% | 3.40% | 3.70% | 4.14% | 4.92% | 8.52% | +512 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% | 0.24% | 4.34% | 1.83% | 1.38% | 2.73% | 1.12% | 12.50% | +1,067 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 |