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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.53% | -0.61% | -4.03% | -5.33% | -4.02% | +450 bps | |
| Return on Equity | -64.73% | -10.43% | -74.06% | -111.44% | -92.27% | -2,754 bps | |
| Net Interest Margin | 1.88% | 1.85% | 1.94% | 2.06% | 2.05% | +17 bps | |
| Efficiency Ratio | 111.67% | 125.96% | 126.18% | 146.19% | 151.92% | +4,026 bps | |
| Non-Interest Burden | 5.02% | 2.36% | 2.47% | 3.06% | 3.17% | -185 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 60.44% | 28.55% | -1.05% | -15.47% | -12.83% | -7,327 bps | |
| Loan Growth (YoY) | 91.51% | 52.96% | 13.19% | -6.85% | -18.75% | -11,026 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 10.37% | 10.19% | 8.02% | +802 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.23% | 7.72% | 5.92% | 3.92% | 4.05% | -318 bps | |
| Equity / Assets | 5.94% | 5.83% | 4.47% | 2.56% | 2.55% | -339 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.08% | 90.85% | 91.17% | 85.52% | 81.12% | -896 bps | |
| Liquid Assets / Assets | 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 |