Manito, IL · Cert 10436
FDIC
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 1.34% | 1.10% | 1.03% | 1.01% | 0.85% | 0.71% | 0.84% | -20 bps | |
| Return on Equity | 1.95% | 14.78% | 12.03% | 11.27% | 10.97% | 8.88% | 7.30% | 8.48% | -278 bps | |
| Net Interest Margin | 3.20% | 3.27% | 3.35% | 3.19% | 3.18% | 3.03% | 3.09% | 3.12% | -7 bps | |
| Efficiency Ratio | 71.42% | 63.24% | 67.22% | 70.61% | 74.64% | 76.52% | 79.77% | 77.89% | +728 bps | |
| Non-Interest Burden | 2.19% | 1.87% | 2.12% | 2.14% | 2.28% | 2.19% | 2.37% | 2.34% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.71% | -6.96% | -6.61% | -3.75% | -6.32% | -1.45% | -0.91% | -8.05% | -430 bps | |
| Loan Growth (YoY) | 3.58% | 7.24% | 4.59% | 0.11% | -3.84% | 0.55% | 1.10% | 2.89% | +279 bps | |
| Deposit Growth (YoY) | 3.76% | -5.32% | -7.33% | -3.92% | -8.71% | -5.25% | -3.84% | -12.50% | -858 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% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.84% | 1.94% | 1.94% | 1.86% | 1.91% | 1.90% | 1.87% | 1.81% | -5 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 | 14.47% | 13.91% | 14.00% | 13.87% | 14.39% | 14.70% | 14.50% | 14.33% | +47 bps | |
| Equity / Assets | 9.15% | 8.95% | 9.35% | 9.24% | 9.31% | 9.85% | 9.88% | 10.40% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.05% | 75.77% | 80.19% | 77.99% | 76.96% | 80.41% | 84.31% | 91.71% | +1,372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |