PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Dupage Bank

Westmont, IL · Cert 35038

FDIC

Q3 2009

$262.1MAssets
$211.6MLoans
$254.0MDeposits
$-8359KEquity
Deposit mix
97%Interest-bearing $247.2M3%Noninterest $6.8MQ3 2008Q3 2009

NIM

7.44%Q3 ’075.61%Q3 ’083.51%Q3 ’09-29%-71%

Non-interest income vs. expense

2.48%Q3 ’072.13%Q3 ’083.02%Q3 ’09-16%+50%

Executive Summary

  • Earnings: ROA of -15.82%, down 1,403 bps year over year; NIM at 0.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 40.57%.
  • Funding: loans stand at 83.30% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

-15.82%-1,403 bps YoY

Net Interest Margin (quarter, annualized)

0.65%-162 bps YoY

Efficiency Ratio (quarter, annualized)

412%+32,471 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.78%-6.89%-1.70%-19.77%-15.82%-1,403 bps
Return on Equity-22.24%-100.47%-30.46%-656%1325%+134,748 bps
Net Interest Margin2.27%1.78%1.29%0.10%0.65%-162 bps
Efficiency Ratio87.01%156.38%170.83%740%412%+32,471 bps
Non-Interest Burden1.95%2.73%2.11%3.30%2.94%+99 bps
Growth
Asset Growth (YoY)-2.19%-0.07%-0.83%-8.32%-15.06%-1,287 bps
Loan Growth (YoY)0.87%-0.78%-2.48%-9.10%-19.50%-2,037 bps
Deposit Growth (YoY)-1.18%-0.14%5.56%-0.78%-5.21%-403 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.68%5.54%-0.20%6.76%40.57%+3,789 bps
Allowance / Loans3.58%4.04%4.62%8.20%3.69%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.14%8.33%8.18%2.75%-3.39%-1,354 bps
Equity / Assets7.76%5.97%5.22%0.63%-3.19%-1,095 bps
Liquidity & Funding
Loans / Deposits98.08%93.92%92.41%90.83%83.30%-1,478 bps
Liquid Assets / Assets0.00%3.41%10.96%12.80%10.84%+1,084 bps
CRE / Total Capitaln/an/an/an/an/an/an/a