Chicago Heights, IL · Cert 3634
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.61% | 1.73% | 1.30% | 1.39% | 1.42% | 1.97% | 3.20% | +190 bps | |
| Return on Equity | 25.30% | 24.06% | 26.59% | 19.14% | 19.51% | 19.31% | 26.35% | 42.53% | +2,339 bps | |
| Net Interest Margin | 4.05% | 4.09% | 4.11% | 3.94% | 3.82% | 3.81% | 4.00% | 4.20% | +26 bps | |
| Efficiency Ratio | 59.34% | 56.91% | 56.06% | 62.05% | 64.15% | 63.85% | 57.07% | 56.52% | -553 bps | |
| Non-Interest Burden | 2.17% | 2.01% | 1.98% | 2.34% | 2.28% | 2.25% | 1.96% | 2.10% | -24 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% | -0.08% | 0.16% | 0.19% | 0.17% | 0.11% | 0.20% | -1.33% | -153 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 |