Chicago Heights, IL · Cert 17917
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago Heights, IL · Cert 17917
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 1.92% | 1.90% | 1.86% | 1.58% | 1.67% | 1.75% | 1.77% | -9 bps | |
| Return on Equity | 23.84% | 24.43% | 24.28% | 23.72% | 19.94% | 21.28% | 22.05% | 21.87% | -185 bps | |
| Net Interest Margin | 4.27% | 4.26% | 4.05% | 3.99% | 3.97% | 3.88% | 3.87% | 3.87% | -12 bps | |
| Efficiency Ratio | 57.11% | 57.26% | 57.49% | 57.87% | 62.82% | 61.11% | 60.10% | 59.79% | +192 bps | |
| Non-Interest Burden | 2.15% | 2.16% | 2.05% | 2.04% | 2.24% | 2.13% | 2.07% | 2.05% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.30% | 13.05% | 11.72% | 11.38% | 14.66% | 13.25% | 6.65% | 7.50% | -388 bps | |
| Loan Growth (YoY) | 14.91% | 5.94% | 9.16% | 14.53% | 13.51% | 19.70% | 17.52% | 13.57% | -96 bps | |
| Deposit Growth (YoY) | 14.41% | 16.45% | 12.44% | 10.25% | 10.89% | 11.73% | 4.57% | 4.48% | -578 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% | -0.02% | -0.01% | -0.01% | 0.00% | 0.02% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.01% | 1.09% | 1.09% | 1.09% | 1.08% | 1.07% | 1.06% | 1.05% | -4 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 | 11.17% | 11.08% | 10.96% | 10.84% | 10.60% | 10.47% | 10.60% | 11.16% | +32 bps | |
| Equity / Assets | 8.15% | 7.49% | 7.73% | 7.98% | 7.91% | 7.63% | 8.18% | 8.75% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.88% | 82.32% | 82.68% | 89.81% | 94.06% | 88.19% | 92.93% | 97.63% | +782 bps | |
| Liquid Assets / Assets | 0.01% | 1.59% | 0.03% | 0.02% | 0.02% | 0.01% | 0.01% | 0.02% | 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 |