Lake Forest, IL · Charter 15102
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.54% | -1.68% | -0.55% | -0.65% | -0.71% | -0.62% | -0.61% | -33.30% | -3,264 bps | |
| Return on Equity | -4.99% | -5.16% | -1.75% | -2.04% | -2.17% | -1.86% | -1.81% | -152.08% | -15,004 bps | |
| Net Interest Margin | 2.54% | 2.76% | 3.02% | 3.16% | 3.43% | 3.58% | 3.85% | -12.75% | -1,591 bps | |
| Efficiency Ratio | 147.14% | 147.03% | 118.30% | 125.20% | 123.54% | 119.43% | 115.92% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.66% | -21.59% | -13.68% | -5.30% | -8.31% | -4.22% | -8.70% | -17.81% | -1,251 bps | |
| Loan Growth (YoY) | -20.06% | -13.17% | -4.71% | 13.02% | 49.84% | 55.15% | 44.97% | 6.95% | -607 bps | |
| Share Growth (YoY) | -21.74% | -27.73% | -17.55% | -6.26% | -10.75% | -5.50% | -12.02% | -5.67% | +59 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.68% | 0.04% | 0.69% | 0.00% | 0.05% | 0.05% | 0.06% | -63 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 | 5.90% | 6.32% | 6.58% | 5.32% | 4.61% | 4.44% | 5.18% | 17.78% | +1,246 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.84% | 32.61% | 31.52% | 31.94% | 32.65% | 33.43% | 33.89% | 21.89% | -1,005 bps | |
| Net Worth / Assets | 30.84% | 32.61% | 31.52% | 31.94% | 32.65% | 33.43% | 33.89% | 21.89% | -1,005 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.45% | 33.59% | 31.85% | 39.71% | 51.12% | 55.14% | 52.47% | 45.03% | +532 bps | |
| Liquid Assets / Assets | 79.24% | 77.84% | 78.87% | 73.60% | 66.37% | 64.18% | 66.38% | 0.00% | -7,360 bps | |