Oak Lawn, IL · Cert 35272
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.61% | 0.62% | 0.66% | 0.79% | 0.73% | 0.48% | 0.53% | -13 bps | |
| Return on Equity | 6.62% | 7.53% | 7.54% | 7.93% | 9.40% | 8.43% | 5.63% | 6.41% | -152 bps | |
| Net Interest Margin | 3.37% | 3.35% | 3.40% | 3.47% | 3.48% | 3.40% | 3.27% | 3.24% | -23 bps | |
| Efficiency Ratio | 72.80% | 70.00% | 69.72% | 68.23% | 66.41% | 77.04% | 79.69% | 77.31% | +908 bps | |
| Non-Interest Burden | 2.37% | 2.26% | 2.28% | 2.28% | 2.22% | 2.56% | 2.56% | 2.45% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.45% | 14.85% | 9.10% | 6.27% | 2.26% | -2.76% | 6.04% | 6.57% | +29 bps | |
| Loan Growth (YoY) | 11.53% | 6.47% | 7.85% | -4.53% | -6.45% | -4.84% | -8.06% | -2.85% | +168 bps | |
| Deposit Growth (YoY) | 10.88% | 15.75% | 9.47% | 6.14% | 1.84% | -5.10% | 2.92% | 2.42% | -372 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% | 0.00% | -0.02% | 0.00% | 0.01% | -0.01% | 0.68% | +70 bps | |
| Allowance / Loans | 1.15% | 1.26% | 1.28% | 1.41% | 1.48% | 1.38% | 1.38% | 1.21% | -21 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 | 11.34% | 11.48% | 11.76% | 12.37% | 12.79% | 13.38% | 13.36% | 13.20% | +83 bps | |
| Equity / Assets | 8.17% | 8.00% | 8.44% | 8.31% | 8.49% | 8.72% | 8.48% | 8.15% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.80% | 73.78% | 80.45% | 73.32% | 72.38% | 73.98% | 71.87% | 69.54% | -378 bps | |
| Liquid Assets / Assets | 5.36% | 5.19% | 4.67% | 4.47% | 4.49% | 4.57% | 4.40% | 4.20% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |