Wilmette, IL · Cert 35419
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28%1 | 0.16%1 | -0.20% | -3.86% | 0.02%1 | 0.02%1 | -2.45% | -3.21% | +65 bps | |
| Return on Equity | 4.06% | 2.23% | -2.79% | -58.35% | 0.48% | 0.38% | -61.15% | -88.27% | -2,992 bps | |
| Net Interest Margin | 2.24% | 1.92% | 1.93% | 1.85% | 1.51% | 1.67% | 1.36% | 1.38% | -47 bps | |
| Efficiency Ratio | 77.55% | 87.67% | 85.06% | 94.47% | 108.81% | 104.08% | 145.35% | 208% | +11,382 bps | |
| Non-Interest Burden | 1.68% | 1.65% | 1.56% | 1.72% | 1.65% | 1.74% | 2.02% | 2.76% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.38% | -3.32% | -13.01% | -17.18% | -14.56% | -12.47% | -13.58% | -7.43% | +975 bps | |
| Loan Growth (YoY) | -1.48% | -4.35% | -2.94% | -9.31% | -9.05% | -9.66% | -17.21% | -13.44% | -413 bps | |
| Deposit Growth (YoY) | -1.98% | -5.50% | -11.96% | -10.97% | -4.46% | -1.90% | -5.82% | -4.31% | +665 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 | 0.11% | 0.17% | 1.42% | 5.98% | -0.91% | -0.53% | 0.09% | 0.07% | -591 bps | |
| Allowance / Loans | 1.57% | 1.61% | 1.62% | 3.35% | 3.66% | 3.76% | 6.36% | 7.70% | +435 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 | 12.04% | 12.22% | 12.32% | 7.54% | 7.63% | 7.93% | 5.68% | 3.62% | -391 bps | |
| Equity / Assets | 7.30% | 7.19% | 7.68% | 3.95% | 4.06% | 4.44% | 3.55% | 2.05% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.86% | 88.05% | 89.08% | 87.21% | 83.65% | 81.08% | 78.31% | 78.89% | -832 bps | |
| Liquid Assets / Assets | 3.09% | 3.19% | 3.73% | 2.73% | 2.48% | 2.45% | 2.13% | 1.08% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |