Tinley Park, IL · Cert 34987
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.
Tinley Park, IL · Cert 34987
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 | 1.10% | 0.85% | 1.08% | 0.86% | 0.65% | 0.01% | 0.04% | -3.39% | -425 bps | |
| Return on Equity | 9.48% | 7.59% | 9.87% | 7.99% | 6.45% | 0.11% | 0.37% | -33.13% | -4,112 bps | |
| Net Interest Margin | 4.34% | 3.70% | 3.65% | 3.62% | 3.48% | 3.45% | 3.53% | 3.45% | -17 bps | |
| Efficiency Ratio | 59.79% | 65.00% | 55.11% | 61.20% | 66.44% | 62.80% | 62.41% | 65.47% | +427 bps | |
| Non-Interest Burden | 2.51% | 2.34% | 1.90% | 2.12% | 2.24% | 2.05% | 2.08% | 2.15% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.64% | 14.70% | 13.59% | 17.13% | 15.60% | 8.06% | 4.62% | -2.43% | -1,957 bps | |
| Loan Growth (YoY) | 19.85% | 21.96% | 13.54% | 18.15% | 12.30% | 6.98% | 2.11% | -3.93% | -2,208 bps | |
| Deposit Growth (YoY) | 9.56% | 7.40% | 9.50% | 19.80% | 17.74% | 2.97% | -4.27% | -23.20% | -4,301 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 | 0.16% | 0.08% | 0.05% | 0.04% | 0.43% | 0.62% | 0.50% | 7.96% | +792 bps | |
| Allowance / Loans | 0.66% | 0.62% | 0.67% | 0.81% | 0.76% | 1.31% | 1.75% | 1.05% | +24 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 | 11.35% | 10.69% | 10.25% | 10.20% | 10.87% | 10.82% | 11.39% | 10.35% | +15 bps | |
| Equity / Assets | 11.45% | 10.50% | 10.37% | 9.94% | 10.32% | 10.07% | 10.73% | 10.06% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.47% | 103.21% | 103.24% | 94.13% | 94.88% | 107.22% | 110.13% | 117.75% | +2,362 bps | |
| Liquid Assets / Assets | 2.79% | 3.60% | 2.53% | 2.08% | 4.66% | 3.75% | 3.96% | 4.05% | +197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |