Chicago, IL · Cert 57948
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Chicago, IL · Cert 57948
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.63% | -8.22% | -6.38% | -6.89% | -2.05% | -2.63% | -3.11% | -3.05% | +383 bps | |
| Return on Equity | -14.72% | -82.81% | -68.91% | -80.34% | -40.79% | -57.51% | -74.69% | -79.03% | +131 bps | |
| Net Interest Margin | 2.26% | 2.08% | 2.15% | 2.34% | 2.64% | 2.49% | 2.53% | 2.63% | +29 bps | |
| Efficiency Ratio | 168.59% | 187.37% | 195.94% | 191.20% | 174.75% | 206% | 221% | 214% | +2,289 bps | |
| Non-Interest Burden | 3.88% | 3.98% | 4.32% | 4.58% | 4.70% | 5.08% | 5.62% | 5.75% | +117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | -2.60% | -7.32% | -11.65% | -7.93% | -1.46% | -5.32% | -8.79% | +285 bps | |
| Loan Growth (YoY) | -10.28% | -16.80% | -24.29% | -13.25% | -9.76% | -12.92% | -8.98% | -15.50% | -225 bps | |
| Deposit Growth (YoY) | 13.59% | 0.57% | -1.83% | -4.27% | 4.52% | 11.68% | 4.41% | -5.83% | -157 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 | 0.00% | 0.00% | 1.96% | 2.62% | 0.00% | 1.62% | 1.22% | 1.69% | -92 bps | |
| Allowance / Loans | 1.28% | 6.19% | 5.25% | 6.36% | 6.36% | 6.25% | 6.39% | 6.20% | -16 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 | 13.81% | 10.33% | 9.72% | 7.22% | 6.63% | 5.96% | 4.78% | 4.06% | -316 bps | |
| Equity / Assets | 10.78% | 7.51% | 7.16% | 5.50% | 4.60% | 3.68% | 2.90% | 2.49% | -302 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.70% | 83.62% | 76.45% | 76.27% | 71.40% | 65.21% | 66.64% | 68.44% | -783 bps | |
| Liquid Assets / Assets | 1.59% | 1.29% | 1.31% | 0.35% | 0.33% | 0.16% | 0.17% | 0.19% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |