Rockford, IL · Cert 33453
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.22% | 2.92% | 0.61% | -4.73% | 2.91% | -931 bps | |
| Return on Equity | 18.97% | 4.32% | 0.87% | -6.58% | 4.07% | -1,491 bps | |
| Net Interest Margin | 3.51% | 3.23% | 2.33% | 1.63% | 1.54% | -197 bps | |
| Efficiency Ratio | 89.81% | 96.48% | 99.16% | 98.23% | 99.28% | +946 bps | |
| Non-Interest Burden | -14.88% | -3.02% | 0.82% | 4.79% | 0.37% | +1,525 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 |