Chicago, IL · Cert 27034
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Chicago, IL · Cert 27034
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.35% | 0.52% | 0.61% | 0.59% | 0.31% | 0.31% | 0.79% | +18 bps | |
| Return on Equity | 9.27% | 4.12% | 5.91% | 6.94% | 6.54% | 3.23% | 3.26% | 8.22% | +128 bps | |
| Net Interest Margin | 3.61% | 3.55% | 3.59% | 3.57% | 3.35% | 3.28% | 3.32% | 3.26% | -31 bps | |
| Efficiency Ratio | 77.27% | 84.63% | 79.91% | 78.39% | 81.13% | 89.28% | 89.34% | 79.40% | +100 bps | |
| Non-Interest Burden | 2.21% | 2.90% | 2.68% | 2.59% | 2.57% | 2.88% | 2.92% | 2.40% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.75% | -9.55% | -5.47% | -0.59% | 4.06% | 2.61% | 5.42% | 2.74% | +333 bps | |
| Loan Growth (YoY) | -12.19% | -5.66% | 0.69% | 10.64% | 11.29% | 5.46% | 6.08% | 4.08% | -656 bps | |
| Deposit Growth (YoY) | -10.29% | -13.61% | -10.25% | -0.14% | 3.74% | 3.78% | 5.80% | -3.64% | -349 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 | 0.57% | -0.03% | 0.16% | 0.28% | 0.21% | -0.02% | -0.01% | -0.01% | -29 bps | |
| Allowance / Loans | 1.74% | 1.70% | 1.60% | 1.38% | 1.41% | 1.43% | 1.39% | 1.34% | -4 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 | 15.66% | 15.56% | 15.58% | 15.00% | 16.75% | 15.40% | 15.03% | 14.98% | -2 bps | |
| Equity / Assets | 8.47% | 8.73% | 9.18% | 8.96% | 9.78% | 9.14% | 9.59% | 9.87% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.46% | 91.95% | 98.71% | 96.03% | 89.53% | 93.44% | 98.97% | 103.72% | +769 bps | |
| Liquid Assets / Assets | 7.77% | 7.73% | 8.40% | 6.99% | 6.57% | 8.72% | 6.41% | 5.26% | -173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |