Chicago Heights, IL · Cert 3634
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Chicago Heights, IL · Cert 3634
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.64% | 1.67% | 1.58% | 1.39% | 1.41% | 1.59% | 2.00% | +42 bps | |
| Return on Equity | 25.30% | 24.74% | 25.39% | 23.51% | 19.51% | 19.37% | 21.81% | 27.05% | +354 bps | |
| Net Interest Margin | 4.05% | 4.05% | 3.96% | 3.75% | 3.82% | 3.83% | 3.96% | 4.04% | +29 bps | |
| Efficiency Ratio | 59.34% | 58.10% | 57.39% | 58.54% | 64.15% | 64.00% | 61.59% | 60.27% | +173 bps | |
| Non-Interest Burden | 2.17% | 2.08% | 1.99% | 1.98% | 2.28% | 2.27% | 2.21% | 2.19% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.84% | 0.18% | 9.32% | 12.30% | 14.67% | 5.09% | 3.43% | -5.78% | -1,809 bps | |
| Loan Growth (YoY) | -0.13% | 4.19% | 5.85% | 9.13% | 9.36% | 6.65% | -0.65% | -4.89% | -1,402 bps | |
| Deposit Growth (YoY) | -3.00% | -0.23% | 9.41% | 11.99% | 13.68% | 1.51% | 1.09% | -8.85% | -2,085 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 | 1.42% | 0.65% | 0.48% | 0.39% | 0.17% | 0.14% | 0.17% | -0.21% | -60 bps | |
| Allowance / Loans | 0.84% | 0.96% | 1.00% | 1.00% | 1.00% | 1.02% | 1.03% | 1.00% | 0 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 | 10.85% | 10.71% | 10.72% | 11.25% | 11.22% | 11.47% | 11.55% | 11.51% | +27 bps | |
| Equity / Assets | 6.79% | 6.60% | 6.43% | 7.16% | 7.07% | 7.64% | 7.30% | 7.77% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.58% | 90.58% | 87.80% | 91.25% | 89.06% | 95.17% | 86.29% | 95.21% | +396 bps | |
| Liquid Assets / Assets | 0.58% | 0.58% | 0.51% | 0.26% | 0.33% | 0.29% | 0.35% | 0.37% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |