Mount Prospect, IL · Cert 34547
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.11% | 1.26% | 1.86% | 1.66% | 1.10% | 1.19% | -1.67% | -353 bps | |
| Return on Equity | 13.42% | 13.11% | 14.93% | 21.81% | 18.70% | 11.92% | 12.67% | -18.13% | -3,994 bps | |
| Net Interest Margin | 3.71% | 3.60% | 3.61% | 5.68% | 3.62% | 3.43% | 3.51% | 3.44% | -223 bps | |
| Efficiency Ratio | 58.29% | 58.09% | 53.55% | 62.01% | 53.16% | 57.41% | 53.90% | 136.57% | +7,457 bps | |
| Non-Interest Burden | 2.03% | 1.93% | 1.70% | 3.30% | 1.70% | 1.80% | 1.73% | 4.81% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | -1.99% | 5.25% | 53.82% | 55.46% | 52.12% | 48.43% | 3.64% | -5,018 bps | |
| Loan Growth (YoY) | 6.48% | 3.83% | 10.75% | 59.69% | 63.18% | 59.72% | 52.54% | 7.34% | -5,235 bps | |
| Deposit Growth (YoY) | 3.20% | -9.52% | 0.78% | 53.02% | 49.29% | 57.46% | 52.45% | 3.73% | -4,929 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 | 0.34% | -0.11% | -0.19% | -0.05% | 0.00% | 0.00% | 0.00% | 2.97% | +302 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.44% | 1.40% | 1.36% | 1.36% | 1.31% | 0.95% | -46 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 | 11.15% | 11.50% | 11.07% | 10.81% | 11.19% | 11.38% | 11.26% | 10.57% | -25 bps | |
| Equity / Assets | 8.40% | 8.55% | 8.28% | 8.74% | 9.04% | 9.41% | 9.31% | 9.05% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.12% | 90.97% | 94.32% | 89.23% | 91.95% | 92.28% | 94.37% | 92.34% | +311 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |