Naperville, IL · Cert 58429
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.84% | -4.90% | 1.22% | 0.14% | -0.98% | -38.47% | -2.69% | -392 bps | |
| Return on Equity | 2.64% | 8.62% | -56.94% | 15.30% | 1.70% | -12.02% | -1152% | 123.60% | +10,830 bps | |
| Net Interest Margin | 2.29% | 2.50% | 2.13% | 2.25% | 1.92% | 0.83% | -0.51% | -0.02% | -227 bps | |
| Efficiency Ratio | 39.92% | 28.50% | 35.75% | 45.82% | 63.61% | 101.55% | 101.25% | 20150% | +2,010,418 bps | |
| Non-Interest Burden | 0.90% | 0.70% | 0.74% | 1.01% | 1.21% | 0.84% | 1.49% | 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% | 2.07% | 0.00% | 0.17% | 0.00% | 18.29% | 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 |