Lake Zurich, IL · Cert 34161
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.41% | -2.55% | 1.27% | 1.20% | 1.11% | 0.16% | 0.76% | -50 bps | |
| Return on Equity | 15.39% | 14.48% | -16.47% | 6.33% | 6.14% | 5.76% | 0.82% | 4.14% | -219 bps | |
| Net Interest Margin | 4.02% | 3.88% | -7.84% | 3.59% | 3.36% | 3.18% | 2.79% | 2.86% | -73 bps | |
| Efficiency Ratio | 48.00% | 50.20% | 38.82% | 48.54% | 47.87% | 51.15% | 98.78% | 61.48% | +1,294 bps | |
| Non-Interest Burden | 1.73% | 1.74% | -3.82% | 1.58% | 1.43% | 1.46% | 2.75% | 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 | 0.00% | 0.01% | -0.24% | -0.05% | 0.00% | 0.21% | 0.15% | -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 |