Franklin Park, IL · Charter 21351
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | -1.31% | -0.65% | -0.53% | -0.47% | 0.17% | 0.97% | 1.26% | +179 bps | |
| Return on Equity | -8.36% | -6.47% | -3.22% | -2.72% | -2.43% | 0.84% | 4.71% | 6.22% | +894 bps | |
| Net Interest Margin | 5.93% | 6.87% | 2.12% | 6.27% | 6.27% | 6.78% | 6.76% | 6.36% | +9 bps | |
| Efficiency Ratio | 81.70% | 85.78% | 128.53% | 107.88% | 106.89% | 97.67% | 86.92% | 82.31% | -2,557 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.91% | -15.11% | -11.60% | -10.52% | -11.35% | 0.68% | 1.02% | 2.96% | +1,347 bps | |
| Loan Growth (YoY) | -20.28% | -9.27% | -10.08% | -10.74% | -5.70% | 4.02% | 4.11% | 7.83% | +1,856 bps | |
| Share Growth (YoY) | -10.26% | -17.51% | -13.79% | -12.31% | -13.52% | 0.10% | 0.49% | 2.34% | +1,465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.02% | 6.72% | 5.56% | 4.64% | 3.14% | 2.87% | 2.33% | 1.38% | -326 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 | 10.48% | 12.70% | 14.70% | 15.71% | 14.90% | 14.40% | 16.75% | 15.56% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.30% | 20.19% | 20.20% | 19.63% | 19.20% | 20.21% | 20.59% | 20.19% | +55 bps | |
| Net Worth / Assets | 17.30% | 20.19% | 20.20% | 19.63% | 19.20% | 20.21% | 20.59% | 20.19% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.75% | 48.84% | 42.63% | 41.48% | 44.44% | 50.75% | 44.17% | 43.71% | +223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |