Rolling Meadows, IL · Cert 58575
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 | 1.11% | 0.70% | 1.16% | 1.14% | 1.04% | 1.43% | 0.53% | 0.07% | -107 bps | |
| Return on Equity | 5.21% | 3.58% | 5.82% | 8.20% | 10.03% | 12.55% | 4.22% | 0.55% | -765 bps | |
| Net Interest Margin | 4.06% | 4.50% | 4.56% | 4.96% | 4.34% | 4.30% | 4.52% | 4.81% | -15 bps | |
| Efficiency Ratio | 50.00% | 40.29% | 39.42% | 34.16% | 31.50% | 27.70% | 45.70% | 49.21% | +1,505 bps | |
| Non-Interest Burden | 1.78% | 1.39% | 1.36% | 1.23% | 1.14% | 0.83% | 1.83% | 2.04% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 79.45% | 54.59% | 26.13% | 129.30% | 98.57% | 53.85% | 61.50% | -20.46% | -14,976 bps | |
| Loan Growth (YoY) | 158.56% | 62.99% | 30.86% | 71.67% | 39.92% | 29.89% | 36.41% | -6.30% | -7,796 bps | |
| Deposit Growth (YoY) | 85.25% | 45.02% | 18.75% | 56.05% | 65.74% | 59.51% | 36.80% | -13.55% | -6,960 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.36% | 7.87% | +787 bps | |
| Allowance / Loans | 0.53% | 1.03% | 1.46% | 1.28% | 1.90% | 2.55% | 3.09% | 2.06% | +78 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 | 25.60% | 22.64% | 24.45% | 15.92% | 14.54% | 16.06% | 16.59% | 18.48% | +256 bps | |
| Equity / Assets | 19.90% | 19.23% | 20.69% | 10.54% | 10.12% | 12.90% | 12.43% | 12.61% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 137.73% | 145.77% | 133.78% | 125.71% | 116.27% | 118.70% | 133.41% | 136.26% | +1,054 bps | |
| Liquid Assets / Assets | 0.25% | 1.32% | 1.40% | 29.31% | 29.13% | 16.12% | 16.36% | 16.58% | -1,273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |