Winnetka, IL · Charter 65540
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Winnetka, IL · Charter 65540
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 | -1.25% | -0.22% | -0.16% | -0.03% | -0.17% | -32.14% | -16.33% | -12.26% | -1,224 bps | |
| Return on Equity | -9.15% | -1.66% | -1.23% | -0.20% | -1.31% | -753% | -442% | -343% | -34,239 bps | |
| Net Interest Margin | 2.30% | 1.24% | 2.22% | 2.08% | 1.77% | -27.03% | -12.58% | -9.15% | -1,123 bps | |
| Efficiency Ratio | 103.97% | 117.56% | 107.23% | 101.25% | 109.42% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 11.28% | 9.50% | 5.41% | 6.58% | 2.91% | 5.66% | 1.06% | -435 bps | |
| Loan Growth (YoY) | -6.18% | -21.08% | -20.59% | -23.11% | -13.24% | -12.22% | -14.68% | -20.51% | +260 bps | |
| Share Growth (YoY) | 6.94% | 12.23% | 10.26% | 6.11% | 7.65% | 13.48% | 17.15% | 11.94% | +583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.68% | 1.78% | 1.77% | 1.69% | 1.91% | 0.00% | 0.00% | -177 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 | 5.32% | 6.10% | 6.46% | 6.42% | 6.14% | 6.95% | 5.48% | 5.85% | -57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.61% | 13.33% | 13.16% | 13.06% | 12.91% | 4.27% | 3.69% | 3.58% | -948 bps | |
| Net Worth / Assets | 13.61% | 13.33% | 13.16% | 13.06% | 12.91% | 4.27% | 3.69% | 3.58% | -948 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.52% | 28.34% | 26.45% | 27.37% | 28.63% | 21.92% | 19.26% | 19.44% | -793 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |