Lake in the Hills, IL · Cert 34238
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.49% | 0.51% | 0.47% | 0.47% | 0.42% | 0.47% | 0.44% | -3 bps | |
| Return on Equity | 5.84% | 4.51% | 4.74% | 4.56% | 4.71% | 4.88% | 5.55% | 5.10% | +54 bps | |
| Net Interest Margin | 2.54% | 2.89% | 2.77% | 2.62% | 2.45% | 2.74% | 2.70% | 2.75% | +13 bps | |
| Efficiency Ratio | 66.80% | 73.55% | 72.25% | 72.66% | 72.22% | 70.33% | 70.37% | 73.07% | +41 bps | |
| Non-Interest Burden | 1.56% | 2.06% | 1.90% | 1.82% | 1.70% | 1.87% | 1.84% | 1.95% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.91% | 35.52% | 32.07% | 30.41% | 34.03% | 35.45% | 30.78% | 10.30% | -2,012 bps | |
| Loan Growth (YoY) | 56.73% | 49.01% | 40.55% | 41.26% | 29.41% | 39.34% | 32.88% | 17.55% | -2,371 bps | |
| Deposit Growth (YoY) | 31.19% | 34.30% | 29.46% | 29.60% | 32.47% | 32.99% | 28.34% | 10.41% | -1,918 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 | 0.05% | -0.01% | -0.02% | 0.17% | 0.09% | 0.00% | -0.01% | -0.01% | -18 bps | |
| Allowance / Loans | 1.05% | 1.08% | 1.06% | 0.87% | 0.89% | 0.89% | 0.89% | 0.91% | +4 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 | 14.59% | 14.40% | 13.49% | 12.14% | 11.55% | 11.13% | 10.97% | 11.26% | -88 bps | |
| Equity / Assets | 11.15% | 10.80% | 10.41% | 9.32% | 8.81% | 8.35% | 8.43% | 8.87% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.93% | 83.76% | 87.01% | 86.10% | 86.87% | 87.76% | 90.09% | 91.66% | +556 bps | |
| Liquid Assets / Assets | 0.31% | 0.26% | 0.22% | 0.16% | 0.82% | 0.72% | 0.66% | 0.10% | -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 |