Lake Zurich, IL · Cert 34161
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.
Lake Zurich, IL · Cert 34161
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 | 1.42% | 1.42% | 0.32% | 1.27% | 1.23% | 1.19% | 0.92% | 0.76% | -50 bps | |
| Return on Equity | 14.82% | 14.67% | 2.67% | 6.33% | 6.24% | 6.06% | 4.71% | 4.14% | -219 bps | |
| Net Interest Margin | 3.90% | 3.84% | 0.68% | 3.59% | 3.39% | 3.22% | 2.98% | 2.86% | -73 bps | |
| Efficiency Ratio | 49.70% | 49.87% | 38.82% | 48.54% | 48.20% | 49.18% | 61.26% | 61.48% | +1,294 bps | |
| Non-Interest Burden | 1.74% | 1.72% | 0.23% | 1.58% | 1.47% | 1.42% | 1.70% | 1.66% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.59% | 11.23% | 27.96% | 29.03% | 30.95% | 33.63% | 14.94% | 19.54% | -949 bps | |
| Loan Growth (YoY) | 5.16% | 13.19% | 18.03% | 12.23% | 19.93% | 16.93% | 25.43% | 23.34% | +1,111 bps | |
| Deposit Growth (YoY) | 9.77% | 8.25% | 11.99% | 14.11% | 16.87% | 17.64% | 10.36% | 16.91% | +280 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 | 0.09% | 0.06% | -0.02% | -0.05% | -0.02% | 0.05% | 0.07% | -0.01% | +4 bps | |
| Allowance / Loans | 0.95% | 0.95% | 0.94% | 1.00% | 0.95% | 0.93% | 0.81% | 0.89% | -11 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 | 12.45% | 12.52% | 11.29% | 11.50% | 10.53% | 11.46% | 10.29% | 10.92% | -58 bps | |
| Equity / Assets | 9.60% | 9.94% | 20.11% | 19.96% | 19.10% | 19.37% | 18.93% | 17.97% | -199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.28% | 85.42% | 81.17% | 80.64% | 84.43% | 84.91% | 92.26% | 85.08% | +444 bps | |
| Liquid Assets / Assets | 0.05% | 0.06% | 0.18% | 0.02% | 0.04% | 0.05% | 0.04% | 0.07% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |