Charleston, IL · Cert 21164
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.24% | 1.47% | 1.23% | 1.43% | 1.23% | 1.44% | 1.71% | +49 bps | |
| Return on Equity | 12.48% | 13.39% | 15.81% | 13.22% | 15.40% | 13.75% | 16.73% | 19.44% | +622 bps | |
| Net Interest Margin | 2.95% | 2.96% | 2.99% | 3.04% | 2.97% | 2.83% | 2.79% | 3.00% | -4 bps | |
| Efficiency Ratio | 63.94% | 63.58% | 60.00% | 59.15% | 57.89% | 60.13% | 57.28% | 52.37% | -678 bps | |
| Non-Interest Burden | 1.72% | 1.70% | 1.53% | 1.50% | 1.40% | 1.49% | 1.32% | 1.25% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 1.83% | 5.28% | 2.35% | 4.31% | 13.68% | 12.80% | 9.34% | +699 bps | |
| Loan Growth (YoY) | 9.67% | 5.89% | 8.41% | 11.56% | 7.94% | 4.61% | -6.29% | -10.19% | -2,175 bps | |
| Deposit Growth (YoY) | 6.90% | 5.97% | 7.16% | 1.84% | 3.75% | 14.36% | 13.33% | 9.74% | +791 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 | 0.11% | 0.01% | -0.05% | 0.38% | 0.18% | 0.14% | 0.01% | 0.01% | -37 bps | |
| Allowance / Loans | 0.83% | 0.80% | 0.77% | 0.75% | 0.77% | 0.77% | 0.82% | 0.84% | +9 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 | 14.77% | 14.77% | 14.56% | 14.21% | 14.75% | 14.31% | 15.24% | 15.93% | +172 bps | |
| Equity / Assets | 9.17% | 9.36% | 9.24% | 9.29% | 9.29% | 8.62% | 8.59% | 9.03% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.67% | 78.27% | 79.90% | 82.27% | 77.69% | 71.60% | 66.06% | 67.33% | -1,494 bps | |
| Liquid Assets / Assets | 25.42% | 24.28% | 21.06% | 19.80% | 19.05% | 17.69% | 23.18% | 22.43% | +263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |