Park Ridge, IL · Charter 60030
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.08% | 0.32% | -0.20% | -0.50% | -2.75% | -1.57% | -1.43% | -122 bps | |
| Return on Equity | -0.36% | -0.47% | 1.95% | -1.23% | -2.99% | -17.61% | -10.68% | -10.12% | -889 bps | |
| Net Interest Margin | 3.96% | 4.21% | 4.29% | 3.98% | 4.13% | 3.53% | 3.17% | 3.02% | -96 bps | |
| Efficiency Ratio | 101.43% | 101.82% | 93.46% | 104.62% | 109.13% | 123.51% | 118.52% | 122.27% | +1,766 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.95% | -11.13% | -8.28% | -5.35% | -7.14% | -2.05% | 3.65% | 6.27% | +1,162 bps | |
| Loan Growth (YoY) | 1.17% | 1.09% | -0.81% | -11.06% | -13.33% | -13.58% | -10.17% | -1.89% | +917 bps | |
| Share Growth (YoY) | -12.74% | -12.96% | -9.60% | -6.22% | -7.94% | -1.10% | 5.81% | 9.11% | +1,533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.92% | 1.01% | 1.12% | 1.19% | 0.80% | 0.98% | 1.11% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.11% | 16.44% | 16.40% | 16.44% | 16.85% | 15.62% | 14.67% | 14.09% | -235 bps | |
| Net Worth / Assets | 16.11% | 16.44% | 16.40% | 16.44% | 16.85% | 15.62% | 14.67% | 14.09% | -235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.30% | 49.87% | 48.82% | 47.25% | 49.23% | 43.58% | 41.45% | 42.49% | -476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |