Chicago, IL · Cert 34821
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 34821
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 | 0.25% | 0.07% | -3.90% | -0.20% | -1.00% | -0.93% | -2.49% | -7.96% | -776 bps | |
| Return on Equity | 2.68% | 0.76% | -47.77% | -3.01% | -16.09% | -15.72% | -47.40% | -427% | -42,406 bps | |
| Net Interest Margin | 3.00% | 2.89% | 2.52% | 2.74% | 2.22% | 2.47% | 2.38% | 1.66% | -108 bps | |
| Efficiency Ratio | 81.85% | 83.53% | 97.75% | 91.77% | 118.79% | 108.63% | 121.16% | 185.91% | +9,414 bps | |
| Non-Interest Burden | 2.35% | 2.33% | 2.45% | 2.49% | 2.70% | 2.71% | 2.94% | 3.28% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | 32.81% | 3.23% | 3.58% | 11.41% | -11.27% | 9.81% | -7.31% | -1,088 bps | |
| Loan Growth (YoY) | 15.74% | 14.74% | 5.11% | 7.07% | 0.61% | -5.03% | -4.16% | -8.28% | -1,535 bps | |
| Deposit Growth (YoY) | 10.49% | 29.96% | 7.58% | 7.92% | 23.29% | -1.03% | 16.14% | -0.48% | -840 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% | 0.07% | 1.59% | 0.03% | 0.06% | 0.21% | 0.59% | 0.03% | 0 bps | |
| Allowance / Loans | 1.27% | 1.45% | 3.74% | 2.59% | 2.70% | 4.01% | 5.67% | 7.59% | +499 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 | 10.06% | 10.09% | 6.61% | 8.97% | 7.95% | 7.18% | 4.64% | 2.34% | -663 bps | |
| Equity / Assets | 9.11% | 7.94% | 5.33% | 7.80% | 5.61% | 5.01% | 2.62% | 1.00% | -680 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.68% | 98.00% | 104.54% | 102.74% | 91.95% | 94.04% | 86.26% | 94.69% | -805 bps | |
| Liquid Assets / Assets | 0.08% | 0.14% | 0.15% | 0.12% | 0.11% | 0.12% | 0.12% | 0.13% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |