Geneva, IL · Cert 57212
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Geneva, IL · Cert 57212
FDIC
Q2 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.25% | -3.76% | -6.93% | -5.12% | -4.73% | -3.20% | -3.94% | +299 bps | |
| Return on Equity | -6.05% | -3.19% | -48.86% | -101.98% | -83.54% | -85.46% | -97.74% | -132.76% | -3,078 bps | |
| Net Interest Margin | 2.70% | 2.87% | 3.27% | 3.48% | 3.39% | 3.04% | 2.73% | 3.12% | -36 bps | |
| Efficiency Ratio | 98.26% | 95.81% | 134.38% | 149.09% | 130.57% | 127.27% | 123.10% | 128.48% | -2,061 bps | |
| Non-Interest Burden | 2.65% | 2.73% | 4.51% | 5.39% | 4.60% | 4.10% | 3.60% | 4.17% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.55% | -0.06% | -6.75% | -12.00% | -7.61% | 2.17% | -19.39% | -22.44% | -1,044 bps | |
| Loan Growth (YoY) | 3.94% | -4.26% | -10.72% | -9.07% | -6.33% | -8.91% | -27.64% | -30.90% | -2,183 bps | |
| Deposit Growth (YoY) | 20.31% | 5.45% | -4.57% | -8.45% | -3.35% | 10.52% | -13.41% | -17.95% | -950 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 | 1.48% | 1.23% | 2.21% | 1.35% | 1.08% | 2.45% | 3.62% | 2.45% | +110 bps | |
| Allowance / Loans | 1.69% | 1.72% | 2.70% | 3.47% | 3.92% | 3.42% | 4.47% | 5.80% | +233 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 | 10.13% | 10.68% | 9.12% | 7.25% | 6.62% | 5.74% | 5.79% | 4.35% | -290 bps | |
| Equity / Assets | 7.16% | 8.03% | 7.34% | 4.95% | 4.18% | 3.24% | 3.31% | 2.23% | -272 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.21% | 95.35% | 93.53% | 91.80% | 87.43% | 78.58% | 78.15% | 77.32% | -1,449 bps | |
| Liquid Assets / Assets | 3.83% | 3.26% | 2.03% | 2.15% | 6.83% | 15.92% | 11.13% | 9.39% | +724 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |