Antioch, IL · Cert 3597
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Antioch, IL · Cert 3597
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.54% | 0.64% | 0.56% | 0.49% | 0.40% | 0.47% | 0.38% | -18 bps | |
| Return on Equity | 11.66% | 7.95% | 9.58% | 8.28% | 7.23% | 5.61% | 6.60% | 5.29% | -299 bps | |
| Net Interest Margin | 3.16% | 2.98% | 3.08% | 3.01% | 3.01% | 2.91% | 2.92% | 2.96% | -5 bps | |
| Efficiency Ratio | 77.85% | 83.94% | 81.35% | 83.41% | 85.31% | 87.76% | 85.89% | 88.78% | +537 bps | |
| Non-Interest Burden | 2.36% | 2.45% | 2.43% | 2.45% | 2.51% | 2.51% | 2.46% | 2.59% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | -1.01% | -4.72% | -3.34% | -3.28% | -0.21% | -0.10% | -3.69% | -35 bps | |
| Loan Growth (YoY) | 2.30% | 3.95% | -1.33% | -4.68% | -1.20% | -1.78% | -2.10% | -0.01% | +467 bps | |
| Deposit Growth (YoY) | -0.84% | -1.74% | -4.94% | -3.91% | -2.11% | -0.88% | -1.16% | -5.01% | -110 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% | 0.32% | 0.16% | 0.11% | 0.08% | 0.04% | 0.02% | 0.01% | -10 bps | |
| Allowance / Loans | 0.88% | 0.79% | 0.81% | 0.82% | 0.81% | 0.79% | 0.82% | 0.81% | -1 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 | 12.04% | 11.91% | 12.25% | 12.33% | 12.30% | 12.14% | 12.54% | 12.56% | +23 bps | |
| Equity / Assets | 6.76% | 6.74% | 6.64% | 6.92% | 7.11% | 7.06% | 6.96% | 7.37% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.04% | 77.09% | 75.31% | 74.70% | 77.75% | 76.39% | 74.60% | 78.63% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |