Millstadt, IL · Cert 3816
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.
Millstadt, IL · Cert 3816
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 | 0.69% | 0.45% | 0.51% | 0.48% | 0.47% | 0.33% | 0.35% | -1.15% | -163 bps | |
| Return on Equity | 5.12% | 3.26% | 3.69% | 3.40% | 3.43% | 2.53% | 2.70% | -9.05% | -1,245 bps | |
| Net Interest Margin | 3.14% | 2.87% | 2.80% | 2.85% | 2.95% | 2.88% | 2.46% | 2.54% | -31 bps | |
| Efficiency Ratio | 69.68% | 80.90% | 78.40% | 79.99% | 80.63% | 84.67% | 83.66% | 152.62% | +7,263 bps | |
| Non-Interest Burden | 2.07% | 2.23% | 2.08% | 2.17% | 2.27% | 2.36% | 1.98% | 4.14% | +197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | -4.59% | -3.38% | -1.18% | 6.57% | 10.15% | 8.06% | 2.85% | +403 bps | |
| Loan Growth (YoY) | 2.24% | 4.10% | 3.40% | 6.98% | 10.02% | 5.13% | -3.03% | -9.39% | -1,637 bps | |
| Deposit Growth (YoY) | -4.11% | -4.27% | -1.89% | -1.79% | 7.19% | 11.30% | 8.72% | 4.34% | +613 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 | -0.02% | -0.02% | -0.02% | -0.02% | -0.03% | -0.10% | -0.06% | -0.04% | -2 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.13% | 1.09% | 1.08% | 1.12% | 1.17% | 1.21% | +12 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 | 31.15% | 31.41% | 29.78% | 29.90% | 28.07% | 27.96% | 28.25% | 25.14% | -476 bps | |
| Equity / Assets | 13.65% | 14.09% | 13.97% | 14.14% | 12.96% | 13.04% | 13.25% | 11.69% | -245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.07% | 54.31% | 55.98% | 57.62% | 52.42% | 51.30% | 49.93% | 50.04% | -758 bps | |
| Liquid Assets / Assets | 0.15% | 0.15% | 0.15% | 0.15% | 0.18% | 0.18% | 0.18% | 0.19% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |