Golden, IL · Cert 10468
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.97% | 1.12% | 1.05% | 0.90% | 1.11% | 0.99% | 0.96% | -9 bps | |
| Return on Equity | 11.89% | 11.94% | 14.62% | 14.45% | 11.83% | 14.84% | 13.50% | 13.80% | -65 bps | |
| Net Interest Margin | 3.15% | 3.16% | 3.35% | 3.18% | 3.21% | 3.21% | 3.21% | 3.30% | +12 bps | |
| Efficiency Ratio | 59.29% | 56.25% | 52.52% | 52.84% | 60.35% | 52.65% | 57.80% | 58.96% | +612 bps | |
| Non-Interest Burden | 1.75% | 1.66% | 1.64% | 1.58% | 1.84% | 1.54% | 1.73% | 1.82% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.21% | 6.35% | 3.79% | 1.52% | -3.72% | -2.67% | -7.28% | -13.77% | -1,529 bps | |
| Loan Growth (YoY) | 2.35% | 4.34% | 14.01% | 4.42% | -3.58% | -5.99% | -7.79% | -13.84% | -1,826 bps | |
| Deposit Growth (YoY) | 0.83% | 6.78% | 3.18% | -2.90% | -1.06% | -5.82% | -6.99% | -11.30% | -840 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 | -0.03% | 0.00% | 0.03% | 0.00% | -0.06% | 0.00% | -0.03% | 0.33% | +33 bps | |
| Allowance / Loans | 0.73% | 0.75% | 0.76% | 0.75% | 0.80% | 0.81% | 0.84% | 0.81% | +6 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 | 12.50% | 13.12% | 12.07% | 12.26% | 12.82% | 12.20% | 13.05% | 11.31% | -95 bps | |
| Equity / Assets | 8.02% | 8.20% | 7.17% | 7.43% | 7.84% | 7.11% | 7.57% | 6.31% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.13% | 59.53% | 59.10% | 62.21% | 60.55% | 59.42% | 58.60% | 60.42% | -178 bps | |
| Liquid Assets / Assets | 3.77% | 3.57% | 3.29% | 3.02% | 2.94% | 2.73% | 2.71% | 2.70% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |