South Holland, IL · Cert 10824
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
South Holland, IL · Cert 10824
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.24% | 0.68% | 1.72% | 1.37% | 1.53% | -0.08% | 0.58% | -114 bps | |
| Return on Equity | n/a | n/a | n/a | 13.60% | 10.68% | 11.69% | -0.61% | 3.97% | -963 bps | |
| Net Interest Margin | 4.04% | 4.02% | 4.01% | 4.10% | 4.08% | 4.02% | 3.97% | 1.93% | -218 bps | |
| Efficiency Ratio | 80.67% | 77.47% | 76.18% | 74.31% | 74.84% | 74.53% | 88.08% | 70.78% | -354 bps | |
| Non-Interest Burden | 2.86% | 2.64% | 2.54% | 2.40% | 2.41% | 2.36% | 3.19% | 0.94% | -145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | 1.22% | 3.41% | 1.25% | 3.67% | 2.10% | 1.44% | 7.77% | +652 bps | |
| Loan Growth (YoY) | 2.58% | -0.95% | -1.22% | -9.30% | -9.33% | -12.47% | -13.92% | -10.60% | -130 bps | |
| Deposit Growth (YoY) | -0.74% | 2.52% | 4.23% | 1.98% | 4.02% | 1.79% | 0.49% | 1.90% | -8 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 | 1.65% | 2.26% | 1.86% | -0.16% | -0.08% | -0.06% | 0.15% | -0.17% | -1 bps | |
| Allowance / Loans | 0.85% | 0.67% | 0.50% | 0.58% | 0.58% | 0.61% | 2.17% | 1.46% | +89 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 | 15.79% | 15.41% | 14.50% | 15.09% | 15.06% | 16.07% | 15.36% | 15.34% | +25 bps | |
| Equity / Assets | 13.30% | 13.57% | 12.62% | 12.69% | 13.11% | 13.82% | 12.44% | 16.85% | +416 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.98% | 70.63% | 69.63% | 65.68% | 64.49% | 60.73% | 59.64% | 57.62% | -806 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.77% | +72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |