Leland, IL · Cert 16296
FDIC
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.61% | 0.58% | 0.65% | 0.57% | 0.57% | 0.51% | 0.64% | -2 bps | |
| Return on Equity | 5.94% | 5.75% | 5.50% | 6.08% | 5.23% | 5.27% | 4.73% | 5.76% | -32 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.21% | 3.20% | 3.11% | 3.06% | 2.91% | 3.14% | -6 bps | |
| Efficiency Ratio | 82.45% | 81.48% | 81.11% | 76.16% | 77.54% | 76.02% | 78.00% | 76.19% | +3 bps | |
| Non-Interest Burden | 2.72% | 2.60% | 2.53% | 2.35% | 2.33% | 2.24% | 2.20% | 2.30% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.61% | 11.92% | 5.03% | 4.99% | 4.02% | 4.39% | 2.19% | 3.04% | -195 bps | |
| Loan Growth (YoY) | 14.06% | 13.30% | 5.06% | 1.15% | -0.39% | 8.27% | 12.65% | 9.74% | +860 bps | |
| Deposit Growth (YoY) | 16.96% | 11.60% | 6.44% | 5.21% | 4.60% | 3.47% | 2.87% | -0.35% | -557 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 | 0.08% | 0.05% | 0.04% | 0.00% | -0.02% | -0.01% | -0.01% | 0.03% | +3 bps | |
| Allowance / Loans | 0.91% | 0.94% | 1.00% | 0.99% | 1.01% | 0.96% | 0.99% | 1.00% | +1 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 | 10.35% | 10.99% | 11.15% | 11.52% | 11.42% | 10.76% | 10.95% | 11.08% | -44 bps | |
| Equity / Assets | 11.00% | 10.56% | 10.51% | 10.98% | 11.24% | 10.60% | 10.71% | 11.40% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.12% | 72.83% | 67.66% | 73.34% | 74.39% | 76.21% | 74.09% | 80.77% | +743 bps | |
| Liquid Assets / Assets | 0.05% | 0.03% | 0.77% | 0.79% | 0.53% | 0.26% | 0.13% | 0.13% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |