Antioch, IL · Cert 34705
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Antioch, IL · Cert 34705
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.74% | -1.10% | -8.53% | -0.61% | -4.03% | -5.33% | -4.02% | +450 bps | |
| Return on Equity | -2.71% | -4.45% | -7.13% | -64.73% | -10.43% | -74.06% | -111.44% | -92.27% | -2,754 bps | |
| Net Interest Margin | 2.49% | 2.15% | 1.98% | 1.88% | 1.85% | 1.94% | 2.06% | 2.05% | +17 bps | |
| Efficiency Ratio | 114.08% | 111.94% | 108.54% | 111.67% | 125.96% | 126.18% | 146.19% | 151.92% | +4,026 bps | |
| Non-Interest Burden | 2.86% | 2.42% | 2.16% | 5.02% | 2.36% | 2.47% | 3.06% | 3.17% | -185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 87.28% | 96.61% | 104.25% | 60.44% | 28.55% | -1.05% | -15.47% | -12.83% | -7,327 bps | |
| Loan Growth (YoY) | 192.54% | 142.91% | 119.04% | 91.51% | 52.96% | 13.19% | -6.85% | -18.75% | -11,026 bps | |
| Deposit Growth (YoY) | 93.95% | 140.31% | 145.73% | 91.60% | 45.68% | 9.79% | -6.15% | -9.77% | -10,137 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 10.37% | 10.19% | 8.02% | +802 bps | |
| Allowance / Loans | 0.93% | 0.97% | 1.37% | 5.43% | 5.45% | 2.91% | 3.13% | 2.65% | -279 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 | 15.55% | 12.89% | 11.87% | 7.23% | 7.72% | 5.92% | 3.92% | 4.05% | -318 bps | |
| Equity / Assets | 16.66% | 13.94% | 12.28% | 5.94% | 5.83% | 4.47% | 2.56% | 2.55% | -339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.53% | 88.42% | 86.17% | 90.08% | 90.85% | 91.17% | 85.52% | 81.12% | -896 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 5.04% | 6.65% | 3.05% | 9.59% | 14.83% | +979 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |