Des Plaines, IL · Cert 57759
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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.
Des Plaines, IL · Cert 57759
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.64% | -2.34% | -2.56% | -3.28% | -1.06% | -7.73% | -5.12% | -3.98% | -70 bps | |
| Return on Equity | -66.81% | -42.68% | -48.69% | -66.17% | -21.93% | -214% | -162.40% | -137.48% | -7,131 bps | |
| Net Interest Margin | 1.95% | 1.82% | 2.13% | 2.61% | 2.75% | 2.93% | 2.95% | 3.15% | +54 bps | |
| Efficiency Ratio | 166.83% | 206% | 189.83% | 167.60% | 142.74% | 125.13% | 146.93% | 144.68% | -2,292 bps | |
| Non-Interest Burden | 3.65% | 4.16% | 4.38% | 4.64% | 4.24% | 3.91% | 4.67% | 4.83% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 65.01% | 36.12% | 9.01% | -10.47% | 6.92% | 0.07% | 3.81% | 2.44% | +1,290 bps | |
| Loan Growth (YoY) | 23.42% | 27.31% | 10.07% | 6.30% | 3.15% | -9.05% | -7.52% | -8.37% | -1,467 bps | |
| Deposit Growth (YoY) | 98.54% | 56.98% | 20.70% | -3.43% | 8.14% | -6.22% | -2.51% | -5.43% | -200 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 | 1.25% | -0.08% | 4.16% | 4.49% | 4.42% | 16.19% | 8.16% | 5.47% | +98 bps | |
| Allowance / Loans | 13.99% | 13.25% | 11.74% | 11.62% | 8.70% | 7.80% | 7.91% | 8.06% | -357 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 | 9.31% | 8.34% | 7.49% | 6.10% | 7.51% | 5.18% | 4.42% | 3.97% | -213 bps | |
| Equity / Assets | 5.72% | 5.24% | 4.80% | 3.91% | 4.38% | 2.76% | 2.20% | 2.01% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.56% | 82.31% | 83.48% | 88.23% | 73.03% | 79.82% | 79.19% | 85.48% | -275 bps | |
| Liquid Assets / Assets | 10.30% | 10.54% | 11.02% | 7.38% | 1.20% | 13.58% | 13.96% | 15.15% | +777 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |