Chicago, IL · Cert 34821
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -1.77% | -0.76% | -7.11% | -7.96% | -776 bps | |
| Return on Equity | -3.01% | -26.56% | -14.29% | -187.57% | -427% | -42,406 bps | |
| Net Interest Margin | 2.74% | 1.85% | 2.75% | 2.13% | 1.66% | -108 bps | |
| Efficiency Ratio | 91.77% | 154.42% | 91.38% | 167.82% | 185.91% | +9,414 bps | |
| Non-Interest Burden | 2.49% | 3.03% | 2.48% | 3.65% | 3.28% | +79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.58% | 11.41% | -11.27% | 9.81% | -7.31% | -1,088 bps | |
| Loan Growth (YoY) | 7.07% | 0.61% | -5.03% | -4.16% | -8.28% | -1,535 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.08% | 0.52% | 1.73% | 0.03% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.97% | 7.95% | 7.18% | 4.64% | 2.34% | -663 bps | |
| Equity / Assets | 7.80% | 5.61% | 5.01% | 2.62% | 1.00% | -680 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.74% | 91.95% | 94.04% | 86.26% | 94.69% | -805 bps | |
| Liquid Assets / Assets | 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 |