Bridgeview, IL · Cert 33551
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Bridgeview, IL · Cert 33551
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.97% | 1.98% | 2.06% | 2.15% | 2.19% | 2.18% | 1.49% | -56 bps | |
| Return on Equity | 23.71% | 23.94% | 24.08% | 25.44% | 26.74% | 26.46% | 25.70% | 15.56% | -988 bps | |
| Net Interest Margin | 4.02% | 3.97% | 3.72% | 4.25% | 4.06% | 4.25% | 4.24% | 3.98% | -27 bps | |
| Efficiency Ratio | 50.36% | 49.72% | 48.67% | 46.16% | 46.20% | 46.12% | 46.70% | 63.51% | +1,735 bps | |
| Non-Interest Burden | 1.83% | 1.77% | 1.61% | 1.75% | 1.68% | 1.76% | 1.78% | 2.33% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.08% | 28.51% | 22.00% | 23.70% | 23.77% | 5.08% | 4.80% | -6.48% | -3,018 bps | |
| Loan Growth (YoY) | 27.18% | 24.99% | 21.07% | 22.56% | 13.60% | 7.42% | 5.15% | -1.66% | -2,422 bps | |
| Deposit Growth (YoY) | 26.87% | 30.36% | 24.67% | 22.57% | 23.57% | -2.55% | 0.30% | -10.04% | -3,261 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 | 0.03% | 0.09% | 0.08% | 0.23% | 0.13% | 0.09% | 0.10% | 0.07% | -16 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.21% | 1.19% | 1.28% | 1.39% | 1.39% | 1.42% | +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 | 10.74% | 10.71% | 10.89% | 10.90% | 11.21% | 12.06% | 12.19% | 12.87% | +197 bps | |
| Equity / Assets | 8.74% | 7.99% | 8.20% | 7.98% | 7.96% | 9.05% | 9.27% | 9.94% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.34% | 83.71% | 86.93% | 85.15% | 84.89% | 92.27% | 91.13% | 93.08% | +793 bps | |
| Liquid Assets / Assets | 0.03% | 0.07% | 0.07% | 0.07% | 0.14% | 0.15% | 0.15% | 0.07% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |