Elburn, IL · Cert 5738
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.19% | 1.14% | 1.01% | 0.93% | 0.89% | 0.72% | 0.76% | -24 bps | |
| Return on Equity | 15.11% | 15.23% | 14.02% | 12.36% | 11.52% | 10.94% | 8.73% | 9.36% | -300 bps | |
| Net Interest Margin | 3.27% | 3.25% | 3.18% | 3.14% | 3.03% | 2.84% | 2.57% | 2.64% | -50 bps | |
| Efficiency Ratio | 54.46% | 53.85% | 54.60% | 55.84% | 58.39% | 60.00% | 68.72% | 65.79% | +995 bps | |
| Non-Interest Burden | 1.57% | 1.53% | 1.45% | 1.51% | 1.55% | 1.51% | 1.58% | 1.53% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.02% | 9.35% | 7.52% | 7.95% | 8.70% | 7.25% | 3.37% | 5.37% | -258 bps | |
| Loan Growth (YoY) | 8.69% | 8.34% | 6.37% | 8.38% | 4.31% | -1.45% | -2.27% | -3.21% | -1,159 bps | |
| Deposit Growth (YoY) | 8.49% | 8.77% | 7.90% | 7.71% | 8.43% | 6.93% | 3.30% | 5.50% | -221 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% | -0.01% | -0.03% | 0.15% | 0.10% | 0.08% | -0.03% | -0.03% | -17 bps | |
| Allowance / Loans | 0.72% | 0.71% | 0.73% | 0.74% | 0.78% | 0.81% | 0.82% | 0.82% | +7 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 | 10.11% | 10.66% | 11.10% | 11.12% | 11.28% | 11.71% | 11.40% | 10.84% | -28 bps | |
| Equity / Assets | 7.84% | 8.03% | 8.31% | 8.07% | 8.08% | 8.26% | 8.33% | 7.89% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.01% | 76.67% | 78.34% | 75.59% | 73.12% | 70.66% | 74.11% | 69.35% | -624 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 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 |