Rockford, IL · Cert 33453
FDIC
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.29% | -1.77% | 0.61% | -2.02% | -0.39% | +290 bps | |
| Return on Equity | -4.99% | -2.66% | 0.87% | -2.86% | -0.55% | +444 bps | |
| Net Interest Margin | 3.34% | 3.37% | 2.33% | 1.99% | 1.85% | -149 bps | |
| Efficiency Ratio | 102.22% | 100.73% | 99.16% | 98.69% | 98.87% | -335 bps | |
| Non-Interest Burden | 7.00% | 4.60% | 0.82% | 2.81% | 2.01% | -500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.90% | -8.45% | -5.63% | -7.17% | -6.42% | +248 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 124.70% | 128.22% | 148.25% | 129.29% | 132.40% | +770 bps | |
| Equity / Assets | 67.20% | 68.31% | 73.55% | 70.15% | 73.10% | +589 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 52.90% | 53.75% | 58.02% | 52.68% | 54.41% | +151 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |