Franklin Park, IL · Charter 65884
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.56% | -4.01% | -3.45% | -3.16% | -4.00% | -1.47% | -0.03% | 0.06% | +322 bps | |
| Return on Equity | -4.90% | -5.63% | -4.16% | -3.82% | -5.12% | -2.02% | -0.03% | 0.06% | +388 bps | |
| Net Interest Margin | 1.63% | 2.03% | 2.30% | 2.16% | 0.97% | 0.53% | -0.03% | 0.06% | -210 bps | |
| Efficiency Ratio | 318% | 279% | 238% | 246% | 515% | 368% | n/a | 0.00% | -24,602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -35.10% | -32.36% | -39.51% | -33.11% | -11.89% | -6.35% | -12.04% | -10.00% | +2,312 bps | |
| Loan Growth (YoY) | 29.09% | 0.72% | 0.88% | -53.18% | -62.79% | -93.53% | -100.00% | -100.00% | -4,682 bps | |
| Share Growth (YoY) | -65.94% | -62.00% | -79.28% | -72.99% | -31.15% | -9.78% | -47.99% | -98.93% | -2,594 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 10.55% | 20.01% | 40.62% | 42.11% | 20.10% | n/a | 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 | 26.00% | 39.49% | 47.79% | 61.89% | 88.00% | 529% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 72.64% | 71.26% | 83.05% | 82.71% | 78.22% | 72.65% | 90.22% | 99.80% | +1,709 bps | |
| Net Worth / Assets | 72.64% | 71.26% | 83.05% | 82.71% | 78.22% | 72.65% | 90.22% | 99.80% | +1,709 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.17% | 76.01% | 134.70% | 103.82% | 55.21% | 5.45% | 0.00% | 0.00% | -10,382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |