Lemont, IL · Cert 35291
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 | 1.08% | 0.39% | -1.47% | -1.52% | -2.00% | -18.25% | -12.77% | -20.92% | -1,939 bps | |
| Return on Equity | 14.63% | 5.52% | -21.70% | -22.95% | -31.06% | -512% | -369% | -979% | -95,644 bps | |
| Net Interest Margin | 4.23% | 4.22% | 3.47% | 2.95% | 2.42% | 1.50% | 1.38% | 1.13% | -182 bps | |
| Efficiency Ratio | 57.65% | 74.88% | 81.37% | 102.17% | 126.90% | 264% | 428% | 572% | +46,950 bps | |
| Non-Interest Burden | 2.37% | 3.12% | 2.79% | 3.01% | 3.11% | 4.20% | 6.41% | 7.12% | +411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.13% | 32.89% | 7.95% | -1.08% | -8.00% | -17.47% | -18.41% | -14.61% | -1,353 bps | |
| Loan Growth (YoY) | 32.37% | 41.68% | 13.38% | 0.71% | -4.08% | -18.04% | -18.96% | -44.92% | -4,563 bps | |
| Deposit Growth (YoY) | 28.86% | 34.54% | 8.38% | -6.44% | -14.47% | -23.95% | -28.18% | -0.49% | +595 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 | 0.07% | 0.26% | 1.75% | 1.18% | 0.80% | 26.49% | 14.19% | 28.16% | +2,698 bps | |
| Allowance / Loans | 1.17% | 1.19% | 2.18% | 2.46% | 3.34% | 2.05% | 2.19% | 4.87% | +241 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 | 10.53% | 10.75% | 8.47% | 11.80% | 10.86% | 2.83% | 6.50% | -3.12% | -1,492 bps | |
| Equity / Assets | 7.07% | 7.01% | 6.27% | 6.17% | 5.60% | 1.35% | 3.22% | -2.09% | -826 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.58% | 94.55% | 91.63% | 103.63% | 102.71% | 101.90% | 103.39% | 57.36% | -4,627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.21% | 0.17% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |