Chicago, IL · Charter 60294
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.55% | -0.02% | 1.34% | 0.20% | 0.17% | 0.23% | 2.79% | +145 bps | |
| Return on Equity | 8.94% | 15.29% | -0.23% | 13.15% | 1.87% | 1.40% | 1.98% | 17.86% | +472 bps | |
| Net Interest Margin | 1.53% | 1.91% | 1.16% | 2.09% | 1.54% | 1.05% | 0.93% | 0.89% | -121 bps | |
| Efficiency Ratio | 37.66% | 19.74% | 45.27% | 36.26% | 56.32% | 84.24% | 74.96% | 140.19% | +10,392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 9.52% | 16.25% | -1.09% | -12.00% | -19.42% | -19.28% | -26.72% | -2,563 bps | |
| Loan Growth (YoY) | -28.98% | -29.04% | -41.79% | -55.61% | -74.43% | -84.33% | -87.29% | -100.00% | -4,439 bps | |
| Share Growth (YoY) | -0.49% | 11.23% | 18.25% | -1.43% | -12.96% | -20.90% | -21.45% | -31.14% | -2,971 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.50% | 14.36% | 14.61% | 12.39% | 1.57% | 0.45% | 0.00% | n/a | n/a | |
| 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 | 20.61% | 23.96% | 28.62% | 43.58% | 80.59% | 152.86% | 225% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 10.16% | 9.43% | 10.20% | 10.96% | 11.89% | 11.84% | 15.61% | +541 bps | |
| Net Worth / Assets | 10.02% | 10.16% | 9.43% | 10.20% | 10.96% | 11.89% | 11.84% | 15.61% | +541 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.05% | 7.76% | 6.38% | 4.43% | 2.66% | 1.54% | 1.03% | 0.00% | -443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |