Westmont, IL · Cert 35038
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Westmont, IL · Cert 35038
FDIC
Q3 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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.59%1 | -2.37% | -2.18% | -3.35% | -1.70% | -10.62% | -12.27% | -1,009 bps | |
| Return on Equity | 2.00% | 5.93% | -25.31% | -24.29% | -40.00% | -30.46% | -263% | -508% | -48,375 bps | |
| Net Interest Margin | 3.33% | 2.67% | 2.51% | 2.44% | 2.29% | 1.29% | 0.70% | 0.74% | -170 bps | |
| Efficiency Ratio | 62.24% | 69.39% | 79.90% | 82.11% | 95.20% | 170.83% | 740% | 573% | +49,072 bps | |
| Non-Interest Burden | 2.02% | 1.80% | 1.97% | 1.97% | 2.18% | 2.11% | 2.71% | 3.01% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.08% | 0.25% | -1.37% | -2.19% | -0.07% | -0.83% | -8.32% | -15.06% | -1,287 bps | |
| Loan Growth (YoY) | 1.28% | 2.44% | 1.72% | 0.87% | -0.78% | -2.48% | -9.10% | -19.50% | -2,037 bps | |
| Deposit Growth (YoY) | 6.33% | -4.52% | -0.09% | -1.18% | -0.14% | 5.56% | -0.78% | -5.21% | -403 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 | 0.79% | 0.06% | 0.12% | 0.97% | 2.12% | -0.20% | 3.27% | 16.04% | +1,507 bps | |
| Allowance / Loans | 1.79% | 2.01% | 3.54% | 3.58% | 4.04% | 4.62% | 8.20% | 3.69% | +11 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 | 11.69% | 12.05% | 10.33% | 10.14% | 8.33% | 8.18% | 2.75% | -3.39% | -1,354 bps | |
| Equity / Assets | 9.87% | 9.98% | 8.26% | 7.76% | 5.97% | 5.22% | 0.63% | -3.19% | -1,095 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.52% | 100.03% | 99.15% | 98.08% | 93.92% | 92.41% | 90.83% | 83.30% | -1,478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 3.41% | 10.96% | 12.80% | 10.84% | +1,084 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |