Downers Grove, IL · Cert 34292
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.
Downers Grove, IL · Cert 34292
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 | -3.97% | -6.01% | -5.23% | -4.87% | -2.26% | -2.10% | -5.61% | -4.58% | +29 bps | |
| Return on Equity | -57.01% | -97.06% | -88.41% | -86.61% | -54.09% | -50.96% | -167.17% | -161.70% | -7,509 bps | |
| Net Interest Margin | 1.11% | 0.98% | 1.01% | 1.04% | 1.27% | 1.36% | 1.72% | 1.91% | +87 bps | |
| Efficiency Ratio | 141.07% | 175.63% | 187.39% | 197.50% | 1491% | 322% | 362% | 234% | +3,613 bps | |
| Non-Interest Burden | 1.59% | 1.70% | 1.88% | 2.07% | 3.03% | 3.04% | 3.80% | 3.67% | +161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.07% | 10.52% | 0.83% | -14.69% | -20.77% | -27.11% | -23.58% | -22.28% | -759 bps | |
| Loan Growth (YoY) | -3.57% | -11.64% | -13.96% | -15.12% | -16.54% | -19.23% | -19.21% | -20.27% | -515 bps | |
| Deposit Growth (YoY) | 24.37% | 19.36% | 6.75% | -10.63% | -18.38% | -23.67% | -17.36% | -16.41% | -578 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 | 0.05% | 0.27% | 0.29% | 2.73% | 0.86% | 1.30% | 2.07% | 3.76% | +102 bps | |
| Allowance / Loans | 2.91% | 5.24% | 6.22% | 4.80% | 4.97% | 5.05% | 7.77% | 6.24% | +144 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 | 10.69% | 8.39% | 7.95% | 6.88% | 6.41% | 6.11% | 1.73% | 1.03% | -586 bps | |
| Equity / Assets | 6.44% | 4.62% | 4.99% | 4.31% | 4.03% | 4.02% | 0.69% | 0.43% | -389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.30% | 85.44% | 87.47% | 87.46% | 89.26% | 90.41% | 85.50% | 83.42% | -404 bps | |
| Liquid Assets / Assets | 18.55% | 20.74% | 19.78% | 17.59% | 15.77% | 10.63% | 13.34% | 11.34% | -625 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |