Champaign, IL · Cert 10842
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.14% | 1.13% | 1.09% | 1.15% | 1.12% | 1.15% | -1.30% | -239 bps | |
| Return on Equity | 21.07% | 13.33% | 12.85% | 12.31% | 12.73% | 12.30% | 12.53% | -9.81% | -2,212 bps | |
| Net Interest Margin | 4.59% | 3.17% | 3.13% | 3.19% | 3.14% | 3.12% | 3.23% | -3.97% | -716 bps | |
| Efficiency Ratio | 53.86% | 52.81% | 54.11% | 55.61% | 53.97% | 54.51% | 54.78% | 51.14% | -447 bps | |
| Non-Interest Burden | 2.09% | 1.28% | 1.29% | 1.38% | 1.25% | 1.28% | 1.33% | -1.71% | -310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.14% | 29.28% | 30.21% | 28.51% | -5.29% | -3.22% | -1.40% | 8.74% | -1,977 bps | |
| Loan Growth (YoY) | 31.54% | 25.76% | 22.97% | 24.59% | -1.44% | 3.53% | 2.49% | 2.01% | -2,259 bps | |
| Deposit Growth (YoY) | 29.66% | 27.88% | 31.54% | 30.63% | -3.12% | -0.79% | 4.35% | 1.60% | -2,903 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 | 0.28% | 0.13% | 0.06% | 0.05% | 0.10% | 0.52% | 0.32% | -0.78% | -83 bps | |
| Allowance / Loans | 1.32% | 1.39% | 1.40% | 1.43% | 1.44% | 1.36% | 1.32% | 1.28% | -14 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 | 11.27% | 11.75% | 11.81% | 11.60% | 11.56% | 11.56% | 11.36% | 12.22% | +62 bps | |
| Equity / Assets | 8.47% | 8.70% | 8.84% | 8.93% | 9.08% | 9.17% | 9.16% | 16.91% | +798 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.42% | 77.44% | 81.43% | 79.13% | 80.80% | 80.81% | 79.98% | 79.44% | +31 bps | |
| Liquid Assets / Assets | 5.37% | 5.44% | 5.21% | 4.89% | 4.81% | 4.14% | 3.99% | 0.01% | -488 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |