Schaumburg, IL · Charter 63275
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.
Schaumburg, IL · Charter 63275
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | -0.34% | 0.25% | 0.25% | 0.22% | -0.17% | -0.41% | -1.01% | -1.12% | -134 bps | |
| Return on Equity | -3.32% | 2.48% | 2.41% | 2.05% | -1.71% | -4.09% | -9.92% | -10.40% | -1,245 bps | |
| Net Interest Margin | 3.48% | 3.43% | 3.49% | 3.46% | 3.24% | 2.98% | 3.13% | 3.31% | -15 bps | |
| Efficiency Ratio | 107.80% | 87.79% | 88.00% | 89.52% | 97.49% | 103.77% | 110.09% | 102.67% | +1,315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.17% | -0.34% | 0.27% | -4.96% | -2.19% | -1.05% | -5.39% | -10.78% | -582 bps | |
| Loan Growth (YoY) | 4.02% | 2.31% | 7.63% | 1.99% | -0.49% | 1.80% | -4.74% | -6.09% | -808 bps | |
| Share Growth (YoY) | 3.44% | 0.55% | -1.08% | -5.69% | -4.26% | -1.82% | -3.96% | -8.78% | -308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.32% | 1.80% | 1.12% | 2.86% | 0.82% | 1.75% | 3.05% | +193 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.88% | 0.77% | 0.68% | 0.73% | 0.44% | 0.78% | 1.35% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.12% | 10.22% | 10.45% | 10.70% | 10.17% | 10.05% | 10.22% | 10.77% | +7 bps | |
| Net Worth / Assets | 10.12% | 10.22% | 10.45% | 10.70% | 10.17% | 10.05% | 10.22% | 10.77% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.35% | 79.47% | 83.12% | 84.57% | 82.47% | 82.39% | 82.45% | 87.06% | +249 bps | |
| Liquid Assets / Assets | 19.49% | 17.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |