Oak Brook, IL · Cert 18498
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.95% | 0.98% | 0.88% | 0.73% | 0.72% | 0.82% | -1.02% | -190 bps | |
| Return on Equity | 15.47% | 13.89% | 14.36% | 12.92% | 11.09% | 11.01% | 12.43% | -8.93% | -2,185 bps | |
| Net Interest Margin | 2.60% | 2.53% | 2.51% | 2.40% | 2.36% | 2.07% | 2.02% | -2.67% | -508 bps | |
| Efficiency Ratio | 56.42% | 60.33% | 59.94% | 61.82% | 64.70% | 65.58% | 63.98% | 53.69% | -813 bps | |
| Non-Interest Burden | 1.09% | 1.17% | 1.12% | 1.10% | 1.21% | 0.99% | 0.80% | -1.25% | -235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.62% | 6.96% | 3.40% | 3.14% | 7.07% | 13.02% | 9.67% | 16.98% | +1,384 bps | |
| Loan Growth (YoY) | 17.03% | 14.49% | 23.14% | 23.24% | 22.45% | 25.02% | 18.26% | -10.73% | -3,397 bps | |
| Deposit Growth (YoY) | 17.64% | 10.43% | 6.05% | 6.06% | 9.80% | 10.10% | 5.49% | 1.42% | -464 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 | 0.09% | 0.00% | 0.01% | -0.01% | 0.03% | 0.04% | 0.00% | 0.08% | +9 bps | |
| Allowance / Loans | 0.80% | 0.78% | 0.69% | 0.69% | 0.67% | 0.64% | 0.62% | 1.44% | +75 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 | 11.24% | 11.26% | 10.48% | 10.29% | 10.06% | 10.44% | 10.33% | 11.00% | +72 bps | |
| Equity / Assets | 6.87% | 6.77% | 6.88% | 6.70% | 6.53% | 6.61% | 6.60% | 15.95% | +925 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.47% | 63.68% | 67.60% | 69.37% | 69.67% | 72.30% | 75.79% | 61.06% | -831 bps | |
| Liquid Assets / Assets | 1.83% | 1.84% | 1.87% | 1.75% | 1.60% | 1.58% | 1.55% | 0.07% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |