Evanston, IL · Cert 922
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.37% | 1.42% | 1.38% | 0.85% | 1.02% | 1.03% | 1.05% | -33 bps | |
| Return on Equity | 20.33% | 19.47% | 20.14% | 19.45% | 11.53% | 13.63% | 13.80% | 14.01% | -545 bps | |
| Net Interest Margin | 3.91% | 3.93% | 3.79% | 3.79% | 3.67% | 3.76% | 3.65% | 3.62% | -17 bps | |
| Efficiency Ratio | 64.39% | 64.20% | 62.22% | 63.70% | 71.61% | 67.38% | 69.72% | 69.45% | +574 bps | |
| Non-Interest Burden | 2.43% | 2.42% | 2.25% | 2.33% | 2.56% | 2.45% | 2.46% | 2.43% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 3.29% | 7.19% | 9.13% | 12.89% | 9.58% | 4.44% | 0.14% | -899 bps | |
| Loan Growth (YoY) | 7.08% | 8.46% | 8.91% | 4.70% | 12.51% | 11.92% | 4.70% | 4.49% | -21 bps | |
| Deposit Growth (YoY) | 0.14% | 2.81% | 6.84% | 8.78% | 11.77% | 5.97% | 1.03% | -3.22% | -1,200 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 | 0.12% | 0.10% | 0.12% | 0.11% | 0.11% | 0.07% | 0.10% | 0.10% | -1 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 0.97% | 1.02% | 1.00% | 1.00% | 0 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 | 10.99% | 10.64% | 10.56% | 10.77% | 10.59% | 10.69% | 10.82% | 10.79% | +2 bps | |
| Equity / Assets | 7.14% | 7.11% | 7.16% | 7.32% | 7.37% | 7.66% | 7.45% | 7.60% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.50% | 99.90% | 96.39% | 93.83% | 100.16% | 105.51% | 99.89% | 101.29% | +747 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.05% | 0.04% | 0.03% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |