Naperville, IL · Cert 58429
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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.
Naperville, IL · Cert 58429
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.59% | -1.13% | 1.22% | 0.68% | 0.13% | -9.17% | -2.69% | -392 bps | |
| Return on Equity | 2.97% | 4.86% | -10.23% | 15.30% | 8.45% | 1.63% | -146.87% | 123.60% | +10,830 bps | |
| Net Interest Margin | 2.13% | 1.97% | 1.91% | 2.25% | 2.04% | 1.68% | 1.13% | -0.02% | -227 bps | |
| Efficiency Ratio | 40.64% | 35.50% | 35.57% | 45.82% | 54.16% | 62.05% | 101.25% | 20150% | +2,010,418 bps | |
| Non-Interest Burden | 0.86% | 0.69% | 0.67% | 1.01% | 1.09% | 1.03% | 1.15% | 2.88% | +187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 448% | 263% | 126.91% | 52.37% | 18.54% | 2.99% | -10.05% | -9.73% | -6,210 bps | |
| Loan Growth (YoY) | 418% | 282% | 108.86% | 67.24% | 28.97% | 7.88% | 0.07% | -5.57% | -7,281 bps | |
| Deposit Growth (YoY) | 573% | 287% | 159.85% | 63.93% | 21.26% | 5.33% | -0.02% | 0.88% | -6,305 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% | 0.52% | 0.00% | 0.09% | 0.06% | 4.62% | 0.74% | +74 bps | |
| Allowance / Loans | 1.25% | 1.30% | 2.63% | 2.60% | 2.66% | 2.89% | 8.90% | 9.16% | +656 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 | 13.37% | 11.80% | 10.56% | 10.52% | 10.56% | 10.36% | -2.25% | -2.99% | -1,351 bps | |
| Equity / Assets | 10.32% | 9.34% | 7.90% | 8.10% | 8.18% | 8.05% | -1.87% | -2.49% | -1,059 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.04% | 94.09% | 90.99% | 90.44% | 93.64% | 96.36% | 91.08% | 84.66% | -578 bps | |
| Liquid Assets / Assets | 3.05% | 1.41% | 1.05% | 2.06% | 1.59% | 9.43% | 11.57% | 16.15% | +1,409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |