Antioch, IL · Cert 34705
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.94% | -1.65% | -26.50% | -0.61% | -7.59% | -8.23% | 0.13% | +2,663 bps | |
| Return on Equity | -2.71% | -6.20% | -12.64% | -290% | -10.43% | -146.28% | -233% | 4.91% | +29,508 bps | |
| Net Interest Margin | 2.49% | 2.27% | 2.29% | 2.19% | 1.85% | 1.93% | 1.87% | 1.93% | -25 bps | |
| Efficiency Ratio | 114.08% | 110.03% | 103.06% | 119.34% | 125.96% | 126.39% | 191.53% | 170.68% | +5,134 bps | |
| Non-Interest Burden | 2.86% | 2.51% | 2.36% | 14.26% | 2.36% | 2.46% | 3.69% | 3.36% | -1,090 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% | 20.74% | 8.00% | 0.37% | +37 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 |