Blue Island, IL · Cert 57128
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.13% | 7.47% | 9.87% | 4.28% | 84.11% | +7,897 bps | |
| Return on Equity | 5.55% | 8.02% | 10.34% | 4.42% | 91.49% | +8,594 bps | |
| Net Interest Margin | 3.01% | 2.66% | 2.56% | 2.35% | 0.61% | -240 bps | |
| Efficiency Ratio | 76.63% | 69.90% | 60.61% | 80.38% | 17.41% | -5,921 bps | |
| Non-Interest Burden | -4.64% | -8.23% | -12.40% | -4.08% | -124.22% | -11,958 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.68% | -6.44% | 3.87% | 3.48% | 40.95% | +3,827 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 441% | 443% | 473% | 463% | 452% | +1,151 bps | |
| Equity / Assets | 93.66% | 92.71% | 98.33% | 95.55% | 89.25% | -441 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 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 |