Westchester, IL · Cert 26896
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Westchester, IL · Cert 26896
FDIC
Q1 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.25% | 1.24% | 1.13% | 1.18% | 1.16% | 1.05% | 0.60% | -54 bps | |
| Return on Equity | 13.48% | 13.48% | 13.36% | 12.10% | 12.41% | 11.92% | 10.80% | 6.11% | -599 bps | |
| Net Interest Margin | 3.50% | 3.37% | 3.40% | 3.27% | 3.28% | 3.40% | 3.22% | 2.87% | -39 bps | |
| Efficiency Ratio | 40.20% | 40.49% | 40.79% | 43.44% | 43.10% | 45.11% | 47.89% | 63.43% | +1,998 bps | |
| Non-Interest Burden | 1.36% | 1.33% | 1.35% | 1.38% | 1.38% | 1.50% | 1.51% | 1.80% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.26% | 12.58% | 19.01% | 20.63% | 8.96% | 5.44% | 15.38% | 3.05% | -1,758 bps | |
| Loan Growth (YoY) | 28.26% | 24.74% | 24.25% | 11.79% | 2.84% | 7.54% | 7.76% | 11.62% | -17 bps | |
| Deposit Growth (YoY) | 30.81% | 9.20% | 15.73% | 23.66% | 10.28% | 2.17% | 13.49% | -2.10% | -2,576 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 | 0.06% | 0.06% | 0.05% | 0.11% | 0.11% | 0.11% | 0.28% | 0.32% | +22 bps | |
| Allowance / Loans | 0.79% | 0.83% | 0.81% | 0.85% | 0.86% | 0.83% | 0.65% | 0.62% | -23 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 | 11.56% | 12.21% | 11.88% | 12.88% | 13.40% | 13.45% | 12.68% | 12.90% | +3 bps | |
| Equity / Assets | 8.83% | 9.28% | 9.37% | 9.36% | 9.80% | 10.53% | 9.59% | 9.94% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.99% | 98.92% | 102.66% | 89.14% | 92.31% | 104.12% | 97.47% | 101.63% | +1,249 bps | |
| Liquid Assets / Assets | 4.33% | 4.33% | 4.25% | 4.19% | 4.00% | 4.19% | 3.75% | 3.84% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |