Chicago, IL · Cert 15407
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.25% | 1.41% | 1.36% | 0.21% | -1.01% | -0.02% | 0.28% | -108 bps | |
| Return on Equity | 16.09% | 13.15% | 15.05% | 14.37% | 1.84% | -4.97% | -0.10% | 1.29% | -1,308 bps | |
| Net Interest Margin | 3.03% | 3.02% | 2.99% | 3.15% | 0.67% | 2.39% | 2.43% | 2.41% | -74 bps | |
| Efficiency Ratio | 50.06% | 49.45% | 51.92% | 55.11% | 56.31% | 193.13% | 67.95% | 52.10% | -301 bps | |
| Non-Interest Burden | 0.77% | 0.95% | 0.77% | 1.17% | 0.37% | 3.37% | 1.94% | 1.38% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.68% | -0.19% | 6.67% | 2.26% | 2.00% | -5.27% | -11.27% | -13.23% | -1,549 bps | |
| Loan Growth (YoY) | 8.50% | 7.77% | 12.30% | 8.59% | 4.68% | -4.38% | -13.96% | -18.37% | -2,697 bps | |
| Deposit Growth (YoY) | -3.43% | 8.86% | -6.39% | 9.30% | -5.34% | -19.01% | -14.60% | -19.63% | -2,892 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 | 0.08% | 0.09% | 0.14% | 0.16% | 0.00% | 0.39% | 0.53% | 0.62% | +45 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 11.92% | 11.73% | 11.44% | 11.00% | 11.02% | 11.42% | 12.57% | 14.67% | +368 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 131.18% | 118.57% | 139.94% | 131.31% | 145.06% | 140.00% | 140.99% | 133.36% | +205 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 |