Chicago, IL · Cert 34231
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 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 34231
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | -3.52% | 0.47% | -0.22% | -0.52% | -2.24% | -2.94% | -11.41% | -1,119 bps | |
| Return on Equity | 7.91% | -46.25% | 9.58% | -4.57% | -11.01% | -51.37% | -117.01% | -1365% | -136,078 bps | |
| Net Interest Margin | 2.77% | 2.94% | 2.36% | 1.95% | 1.69% | 1.50% | 1.11% | 0.50% | -145 bps | |
| Efficiency Ratio | 65.94% | 62.23% | 77.70% | 103.16% | 115.50% | 172.32% | 241% | 425% | +32,154 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 1.77% | 2.02% | 2.00% | 2.65% | 3.07% | 3.36% | +134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | -1.17% | -7.63% | -10.57% | -11.14% | -9.66% | -8.10% | -20.60% | -1,003 bps | |
| Loan Growth (YoY) | 5.91% | -6.76% | -14.03% | -17.84% | -18.45% | -9.86% | -8.81% | -10.51% | +733 bps | |
| Deposit Growth (YoY) | 9.00% | 3.09% | -4.14% | -7.07% | -7.46% | -8.10% | -5.39% | -14.34% | -727 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 | -0.03% | 4.73% | 0.27% | 0.25% | 0.31% | 0.25% | 2.94% | 4.13% | +388 bps | |
| Allowance / Loans | 1.69% | 3.73% | 3.80% | 3.97% | 4.17% | 6.12% | 5.86% | 10.61% | +664 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 | 10.92% | 7.15% | 7.48% | 7.49% | 6.94% | 5.10% | 4.37% | -2.97% | -1,047 bps | |
| Equity / Assets | 8.23% | 4.60% | 5.20% | 4.62% | 4.52% | 2.75% | 2.28% | -3.05% | -767 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.15% | 78.20% | 78.96% | 75.00% | 75.04% | 76.70% | 76.11% | 78.35% | +335 bps | |
| Liquid Assets / Assets | 0.14% | 6.05% | 3.47% | 4.00% | 5.14% | 9.91% | 9.53% | 8.79% | +479 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |