Berkeley, IL · Cert 19733
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.38% | 1.44% | 0.84% | 1.60% | 1.39% | -49.70% | -4.80% | -564 bps | |
| Return on Equity | 13.53% | 11.94% | 13.34% | 8.09% | 15.58% | 14.25% | -962% | -458% | -46,564 bps | |
| Net Interest Margin | 3.25% | 3.34% | 3.39% | 3.27% | 3.25% | 3.44% | 2.38% | 0.83% | -244 bps | |
| Efficiency Ratio | 55.91% | 52.69% | 49.02% | 59.60% | 54.62% | 53.60% | 45.58% | 203% | +14,318 bps | |
| Non-Interest Burden | 1.71% | 1.66% | 1.56% | 1.87% | 1.66% | 1.74% | 0.95% | 1.92% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 10.96% | 14.25% | 6.11% | 2.78% | 8.48% | 7.50% | -0.67% | -678 bps | |
| Loan Growth (YoY) | 12.40% | 18.86% | 19.98% | 14.74% | 10.88% | 4.56% | -1.90% | -0.91% | -1,564 bps | |
| Deposit Growth (YoY) | 5.95% | 13.44% | 14.93% | 11.08% | 13.86% | 7.55% | 30.30% | 14.11% | +303 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.33% | 1.35% | 1.68% | 1.76% | 1.79% | 1.92% | 1.95% | +27 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 | 16.65% | 15.20% | 14.15% | 13.54% | 13.39% | 12.70% | -15.59% | -16.53% | -3,007 bps | |
| Equity / Assets | 11.97% | 11.16% | 10.47% | 10.29% | 10.27% | 9.21% | 1.24% | 0.84% | -946 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.63% | 71.72% | 72.42% | 68.36% | 69.76% | 69.72% | 54.53% | 59.36% | -900 bps | |
| Liquid Assets / Assets | 0.12% | 0.12% | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.48% | +48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |