Lockport, IL · Charter 95009
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 | 0.18% | 0.24% | 0.71% | 1.03% | 1.30% | 0.98% | 0.89% | -0.91% | -194 bps | |
| Return on Equity | 1.14% | 1.54% | 4.44% | 6.01% | 7.45% | 5.46% | 4.82% | -5.07% | -1,107 bps | |
| Net Interest Margin | 5.02% | 5.24% | 5.36% | 5.76% | 5.65% | 5.54% | 5.55% | 4.00% | -176 bps | |
| Efficiency Ratio | 85.67% | 88.42% | 75.20% | 74.74% | 72.09% | 83.30% | 84.94% | 120.69% | +4,595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 0.27% | -1.19% | -3.40% | -1.62% | -5.35% | -5.65% | -4.92% | -152 bps | |
| Loan Growth (YoY) | 9.55% | 10.54% | 5.67% | 1.13% | -5.47% | -13.29% | -14.85% | -15.25% | -1,638 bps | |
| Share Growth (YoY) | 3.24% | -0.17% | -1.99% | -5.49% | -3.65% | -7.91% | -8.52% | -7.31% | -182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 2.01% | 1.05% | 1.49% | 2.21% | 2.33% | 1.99% | 1.37% | -12 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 | 0.92% | 1.09% | 1.28% | 1.35% | 1.43% | 1.78% | 1.85% | 0.79% | -57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.95% | 15.58% | 16.09% | 17.20% | 17.51% | 17.96% | 18.48% | 17.98% | +78 bps | |
| Net Worth / Assets | 15.95% | 15.58% | 16.09% | 17.20% | 17.51% | 17.96% | 18.48% | 17.98% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.43% | 85.51% | 85.71% | 90.42% | 84.79% | 80.52% | 79.77% | 82.67% | -775 bps | |
| Liquid Assets / Assets | 24.89% | 22.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |