Oak Park, IL · Cert 1801
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 2.06% | 3.04% | 2.37% | 2.67% | 2.29% | 2.62% | 2.67% | +31 bps | |
| Return on Equity | 21.17% | 18.74% | 26.36% | 19.61% | 22.53% | 19.22% | 22.38% | 23.28% | +367 bps | |
| Net Interest Margin | 5.57% | 5.47% | 5.66% | 5.25% | 5.33% | 5.10% | 5.24% | 4.80% | -45 bps | |
| Efficiency Ratio | 43.30% | 46.88% | 37.75% | 36.52% | 37.44% | 40.08% | 36.79% | 27.69% | -883 bps | |
| Non-Interest Burden | 1.97% | 2.16% | 1.01% | 1.45% | 0.94% | 1.57% | 1.10% | 0.43% | -102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.22% | 10.10% | 2.85% | 4.79% | 11.74% | 9.34% | 9.06% | 5.82% | +102 bps | |
| Loan Growth (YoY) | 23.05% | 16.31% | 2.61% | 2.95% | 14.34% | 11.09% | 8.11% | 6.11% | +316 bps | |
| Deposit Growth (YoY) | 9.13% | 9.46% | 7.62% | 3.65% | 12.13% | 8.46% | 11.11% | 6.72% | +307 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 | 0.03% | -0.02% | -0.11% | -0.02% | -0.03% | -0.03% | -0.03% | -0.06% | -4 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.17% | 1.15% | 1.03% | 1.06% | 1.11% | 1.13% | -3 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 | 11.88% | 12.41% | 13.56% | 13.34% | 12.70% | 13.47% | 12.59% | 13.11% | -23 bps | |
| Equity / Assets | 11.01% | 11.02% | 12.02% | 12.14% | 11.59% | 12.26% | 11.17% | 11.81% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.36% | 80.08% | 81.28% | 80.17% | 82.96% | 82.03% | 79.09% | 79.71% | -46 bps | |
| Liquid Assets / Assets | 2.03% | 1.97% | 2.00% | 4.01% | 3.65% | 3.66% | 1.92% | 1.86% | -215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |