Waukegan, IL · Charter 81715
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.51% | 0.33% | 0.55% | 0.62% | 0.65% | 0.59% | 0.56% | +1 bps | |
| Return on Equity | 6.20% | 6.49% | 4.35% | 7.13% | 7.82% | 8.26% | 7.74% | 7.30% | +17 bps | |
| Net Interest Margin | 3.01% | 2.97% | 2.98% | 3.10% | 3.15% | 3.07% | 2.95% | 2.94% | -16 bps | |
| Efficiency Ratio | 84.91% | 84.22% | 88.77% | 83.79% | 82.46% | 81.35% | 82.04% | 82.08% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 4.87% | 9.53% | 9.86% | 9.07% | 10.17% | 8.66% | 9.65% | -21 bps | |
| Loan Growth (YoY) | 18.64% | 10.69% | 10.77% | 10.90% | 9.60% | 9.96% | 10.14% | 9.67% | -123 bps | |
| Share Growth (YoY) | 5.72% | 6.93% | 7.83% | 7.60% | 9.06% | 9.32% | 9.54% | 10.14% | +254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.32% | 0.32% | 0.34% | 0.42% | 0.38% | 0.45% | 0.50% | +16 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 | 0.42% | 0.43% | 0.42% | 0.43% | 0.44% | 0.44% | 0.43% | 0.44% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.93% | 7.91% | 7.51% | 7.70% | 7.88% | 7.83% | 7.60% | 7.66% | -4 bps | |
| Net Worth / Assets | 7.93% | 7.91% | 7.51% | 7.70% | 7.88% | 7.83% | 7.60% | 7.66% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.06% | 95.22% | 91.21% | 93.47% | 95.53% | 95.78% | 91.71% | 93.07% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |