Brookfield, IL · Charter 20729
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Brookfield, IL · Charter 20729
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.20% | -0.70% | -0.10% | 0.90% | -8.46% | -4.11% | -4.23% | -414 bps | |
| Return on Equity | 1.85% | 1.13% | -3.76% | -0.52% | 4.47% | -43.30% | -19.96% | -20.51% | -1,999 bps | |
| Net Interest Margin | 2.69% | 0.89% | 0.75% | 1.96% | 2.35% | 5.08% | 3.92% | 4.02% | +206 bps | |
| Efficiency Ratio | 88.50% | 78.85% | 189.48% | 94.51% | 59.31% | 33.76% | 48.94% | 97.68% | +317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.21% | -3.28% | -10.03% | -12.19% | -6.74% | -14.68% | -12.74% | -17.37% | -518 bps | |
| Loan Growth (YoY) | 28.07% | -10.87% | 7.07% | 37.19% | 64.86% | 71.69% | 41.74% | 22.57% | -1,462 bps | |
| Share Growth (YoY) | -10.74% | -6.20% | -12.39% | -14.46% | -8.40% | -14.69% | -14.01% | -18.84% | -437 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.25% | 0.00% | 7.41% | 1.04% | 0.81% | 0.00% | 0.00% | 0.22% | -82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.98% | 10.75% | 8.86% | 7.50% | 6.26% | 10.30% | 10.28% | 10.37% | +288 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.12% | 17.69% | 18.57% | 18.72% | 20.12% | 19.53% | 20.58% | 20.63% | +191 bps | |
| Net Worth / Assets | 18.12% | 17.69% | 18.57% | 18.72% | 20.12% | 19.53% | 20.58% | 20.63% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.38% | 19.89% | 25.75% | 32.81% | 40.27% | 40.03% | 42.45% | 49.54% | +1,674 bps | |
| Liquid Assets / Assets | 80.21% | 42.69% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |