Hillside, IL · Charter 81236
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 2.11% | 2.03% | 1.26% | 2.05% | 2.52% | 2.81% | 2.58% | +132 bps | |
| Return on Equity | 9.05% | 8.62% | 8.32% | 5.14% | 8.41% | 9.76% | 10.65% | 16.52% | +1,137 bps | |
| Net Interest Margin | 3.16% | 3.43% | 3.38% | 3.22% | 3.42% | 3.77% | 3.98% | 4.34% | +112 bps | |
| Efficiency Ratio | 39.05% | 38.66% | 39.91% | 60.88% | 40.05% | 33.04% | 29.57% | 40.67% | -2,021 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.03% | -29.20% | -29.78% | -16.90% | -5.01% | 4.29% | 3.94% | 2.03% | +1,893 bps | |
| Loan Growth (YoY) | -6.61% | -22.40% | -21.29% | -20.33% | -30.49% | -25.18% | -14.40% | -16.70% | +363 bps | |
| Share Growth (YoY) | -24.07% | -36.25% | -36.92% | -22.59% | -8.73% | 2.42% | 1.36% | 14.07% | +3,666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.16% | 4.11% | 5.57% | 6.83% | 5.62% | 4.04% | 3.30% | 3.58% | -325 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 | 4.42% | 5.04% | 6.35% | 7.05% | 7.66% | 6.50% | 6.36% | 7.22% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.33% | 24.47% | 24.47% | 24.51% | 24.41% | 25.83% | 26.34% | 15.60% | -891 bps | |
| Net Worth / Assets | 21.33% | 24.47% | 24.47% | 24.51% | 24.41% | 25.83% | 26.34% | 15.60% | -891 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.16% | 42.96% | 37.91% | 34.22% | 30.58% | 31.38% | 32.01% | 24.99% | -923 bps | |
| Liquid Assets / Assets | 66.79% | 65.91% | 69.88% | 72.63% | 0.00% | 0.00% | 0.00% | 0.00% | -7,263 bps | |