Des Plaines, IL · Cert 57759
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -20.16% | -2.34% | -2.79% | -4.79% | 5.35% | -7.73% | -2.45% | -1.47% | +332 bps | |
| Return on Equity | -243% | -42.68% | -55.40% | -109.46% | 128.09% | -214% | -98.83% | -69.54% | +3,991 bps | |
| Net Interest Margin | 2.01% | 1.82% | 2.39% | 3.22% | 3.30% | 2.93% | 2.91% | 3.26% | +4 bps | |
| Efficiency Ratio | 144.51% | 206% | 176.83% | 134.29% | 98.88% | 125.13% | 173.65% | 139.94% | +565 bps | |
| Non-Interest Burden | 3.47% | 4.16% | 4.50% | 4.46% | 3.24% | 3.91% | 5.32% | 4.72% | +25 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 | 0.53% | -0.08% | 8.41% | 5.11% | 4.31% | 16.19% | -0.08% | -0.12% | -523 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 |