Chicago, IL · Cert 57948
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -14.79% | -2.57% | -8.43% | -2.05% | -3.16% | -4.01% | -2.79% | +565 bps | |
| Return on Equity | -14.72% | -160.84% | -34.99% | -132.54% | -40.79% | -76.28% | -121.24% | -102.98% | +2,956 bps | |
| Net Interest Margin | 2.26% | 1.87% | 2.10% | 2.68% | 2.64% | 2.43% | 2.45% | 2.56% | -13 bps | |
| Efficiency Ratio | 168.59% | 210% | 214% | 179.27% | 174.75% | 243% | 249% | 194.71% | +1,544 bps | |
| Non-Interest Burden | 3.88% | 4.04% | 4.61% | 4.89% | 4.70% | 5.61% | 6.43% | 5.24% | +34 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% | 5.88% | 4.58% | 0.00% | 3.23% | 0.33% | 2.81% | -177 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 |