Chicago, IL · Cert 57597
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.83% | -3.72% | -6.68% | -16.89% | -19.17% | -1,134 bps | |
| Return on Equity | -96.02% | -49.83% | -101.42% | -397% | 54200% | +5,429,602 bps | |
| Net Interest Margin | 4.12% | 4.25% | 3.79% | 3.15% | 3.07% | -104 bps | |
| Efficiency Ratio | 87.97% | 63.71% | 68.37% | 472% | 151.50% | +6,353 bps | |
| Non-Interest Burden | 3.66% | 2.64% | 2.29% | 5.34% | 9.46% | +581 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.21% | -12.62% | -14.48% | -22.37% | -22.33% | -1,512 bps | |
| Loan Growth (YoY) | -11.27% | -14.54% | -15.82% | -25.23% | -27.30% | -1,603 bps | |
| Deposit Growth (YoY) | -6.16% | -10.99% | -11.32% | -17.34% | -13.81% | -765 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 8.40% | -0.22% | -0.09% | 17.39% | 26.44% | +1,803 bps | |
| Allowance / Loans | 3.90% | 6.25% | 9.99% | 13.78% | 13.79% | +990 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.83% | 12.12% | 9.99% | 4.88% | -3.91% | -1,674 bps | |
| Equity / Assets | 7.81% | 7.12% | 6.02% | 2.31% | -2.53% | -1,034 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.12% | 68.46% | 68.13% | 61.68% | 58.30% | -1,082 bps | |
| Liquid Assets / Assets | 19.84% | 20.88% | 22.23% | 22.61% | 28.48% | +865 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |