Chicago, IL · Cert 57597
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 | 1.05% | 0.71% | -1.08% | -2.72% | -3.72% | -5.18% | -8.85% | -11.15% | -843 bps | |
| Return on Equity | 11.65% | 7.75% | -11.97% | -30.97% | -49.83% | -73.89% | -148.45% | -248% | -21,709 bps | |
| Net Interest Margin | 4.05% | 4.01% | 4.03% | 4.18% | 4.25% | 4.10% | 3.93% | 4.03% | -15 bps | |
| Efficiency Ratio | 53.37% | 56.71% | 65.57% | 71.28% | 63.71% | 66.08% | 88.99% | 151.50% | +8,022 bps | |
| Non-Interest Burden | 2.10% | 2.28% | 2.79% | 3.10% | 2.64% | 2.52% | 3.55% | 5.31% | +221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | -3.48% | -1.35% | -7.21% | -12.62% | -14.48% | -22.37% | -22.33% | -1,512 bps | |
| Loan Growth (YoY) | -4.38% | -6.31% | -11.02% | -11.27% | -14.54% | -15.82% | -25.23% | -27.30% | -1,603 bps | |
| Deposit Growth (YoY) | 3.89% | -3.13% | -0.61% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.84% | 4.23% | 5.41% | -0.22% | -0.16% | 5.67% | 11.17% | +576 bps | |
| Allowance / Loans | 2.90% | 3.13% | 2.51% | 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 | 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 | 14.54% | 15.09% | 13.32% | 12.83% | 12.12% | 9.99% | 4.88% | -3.91% | -1,674 bps | |
| Equity / Assets | 9.00% | 9.58% | 8.48% | 7.81% | 7.12% | 6.02% | 2.31% | -2.53% | -1,034 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.31% | 71.76% | 68.19% | 69.12% | 68.46% | 68.13% | 61.68% | 58.30% | -1,082 bps | |
| Liquid Assets / Assets | 18.94% | 19.00% | 19.15% | 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 | n/a | n/a | n/a |