Chicago, IL · Cert 1793
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.88% | 0.96% | 0.76% | 1.12% | +36 bps | |
| Return on Equity | 10.85% | 12.27% | 13.28% | 10.49% | 15.26% | +441 bps | |
| Net Interest Margin | 2.84% | 2.83% | 2.80% | 2.81% | 2.96% | +12 bps | |
| Efficiency Ratio | 78.13% | 75.43% | 72.51% | 77.86% | 77.54% | -59 bps | |
| Non-Interest Burden | 2.08% | 1.97% | 1.84% | 2.04% | 1.83% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.30% | -2.01% | 0.78% | -2.57% | -0.93% | -123 bps | |
| Loan Growth (YoY) | -10.39% | -8.09% | -10.04% | -9.61% | -4.25% | +613 bps | |
| Deposit Growth (YoY) | 0.70% | -2.50% | 0.43% | -2.87% | -0.81% | -151 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.17% | 1.18% | 1.16% | +5 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 23.53% | 23.79% | 24.33% | 24.58% | 25.04% | +152 bps | |
| Equity / Assets | 6.98% | 7.30% | 7.22% | 7.29% | 7.39% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 18.76% | 19.31% | 17.48% | 17.74% | 18.11% | -65 bps | |
| Liquid Assets / Assets | 35.49% | 34.73% | 30.85% | 28.77% | 26.17% | -932 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |