Chicago, IL · Cert 34658
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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.
Chicago, IL · Cert 34658
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | 0.52% | -1.63% | 0.38% | -0.57% | 0.20% | -2.44% | -8.45% | -883 bps | |
| Return on Equity | -7.79% | 7.42% | -25.03% | 7.99% | -11.90% | 4.04% | -55.00% | -522% | -53,014 bps | |
| Net Interest Margin | 3.09% | 3.31% | 2.99% | 2.47% | 2.51% | 2.22% | 2.07% | 1.90% | -57 bps | |
| Efficiency Ratio | 110.59% | 86.44% | 93.04% | 90.70% | 116.68% | 93.46% | 113.42% | 237% | +14,626 bps | |
| Non-Interest Burden | 3.48% | 2.59% | 2.67% | 2.09% | 3.09% | 1.94% | 2.59% | 5.11% | +302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.44% | 5.20% | 15.29% | 11.05% | 14.85% | 9.23% | -7.67% | -11.70% | -2,275 bps | |
| Loan Growth (YoY) | 13.37% | 9.61% | 15.37% | 14.30% | 5.50% | 4.03% | -3.49% | -4.11% | -1,842 bps | |
| Deposit Growth (YoY) | -9.24% | 5.58% | 18.30% | 13.41% | 18.08% | 12.19% | -5.64% | -7.72% | -2,114 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 | -0.08% | -0.08% | 0.23% | -0.03% | -0.02% | 0.03% | 2.26% | 2.31% | +234 bps | |
| Allowance / Loans | 0.81% | 0.89% | 2.72% | 2.76% | 2.75% | 2.77% | 3.09% | 4.21% | +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 | 9.08% | 9.04% | 7.06% | 7.46% | 7.04% | 7.65% | 4.64% | 1.42% | -603 bps | |
| Equity / Assets | 7.24% | 7.43% | 4.76% | 4.86% | 4.72% | 5.10% | 2.61% | 0.57% | -429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.12% | 90.79% | 80.52% | 79.59% | 84.09% | 84.19% | 82.35% | 82.71% | +311 bps | |
| Liquid Assets / Assets | 0.57% | 0.54% | 10.47% | 16.70% | 12.41% | 12.52% | 15.80% | 15.31% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |