Westmont, IL · Cert 58353
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.
Westmont, IL · Cert 58353
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 | 0.12% | 0.03% | 0.19% | -0.52% | -4.72% | -2.51% | -1.89% | -2.08% | -156 bps | |
| Return on Equity | 0.89% | 0.25% | 1.45% | -4.02% | -41.49% | -22.35% | -16.84% | -18.91% | -1,488 bps | |
| Net Interest Margin | 3.56% | 3.57% | 3.69% | 3.76% | 3.69% | 3.72% | 3.64% | 3.68% | -8 bps | |
| Efficiency Ratio | 81.40% | 75.40% | 72.28% | 76.06% | 73.29% | 76.45% | 79.61% | 79.49% | +344 bps | |
| Non-Interest Burden | 2.87% | 2.64% | 2.61% | 2.87% | 2.63% | 2.78% | 2.82% | 2.88% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.67% | 42.48% | 42.66% | 14.74% | 6.33% | 0.28% | -5.80% | -1.25% | -1,599 bps | |
| Loan Growth (YoY) | 71.51% | 39.79% | 42.10% | 12.04% | -0.71% | -3.71% | -10.74% | -14.43% | -2,648 bps | |
| Deposit Growth (YoY) | 68.82% | 35.87% | 23.65% | -14.06% | -14.85% | -4.60% | 6.92% | 31.36% | +4,542 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% | 1.18% | 0.76% | 2.00% | 0.00% | -0.70% | 1.42% | 2.41% | +41 bps | |
| Allowance / Loans | 0.82% | 0.62% | 0.78% | 0.64% | 3.21% | 4.07% | 3.22% | 3.76% | +312 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 | 16.47% | 14.77% | 14.55% | 13.79% | 13.60% | 13.45% | 14.76% | 13.19% | -60 bps | |
| Equity / Assets | 13.20% | 12.84% | 12.55% | 12.03% | 10.71% | 11.00% | 11.18% | 10.07% | -196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.76% | 119.32% | 132.35% | 151.68% | 129.16% | 120.44% | 110.49% | 98.80% | -5,288 bps | |
| Liquid Assets / Assets | 0.16% | 0.94% | 0.91% | 0.92% | 5.51% | 5.70% | 4.89% | 5.18% | +427 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |