Chicago, IL · Cert 16935
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 2.18% | 2.83% | 1.99% | 1.89% | 1.73% | 2.10% | 2.65% | +67 bps | |
| Return on Equity | 15.43% | 19.30% | 24.39% | 16.24% | 15.67% | 14.33% | 17.70% | 22.83% | +659 bps | |
| Net Interest Margin | 4.34% | 4.93% | 6.05% | 4.86% | 4.60% | 4.31% | 4.87% | 5.81% | +96 bps | |
| Efficiency Ratio | 38.58% | 31.96% | 27.64% | 34.85% | 34.74% | 34.71% | 30.24% | 26.77% | -808 bps | |
| Non-Interest Burden | 1.65% | 1.42% | 1.56% | 1.69% | 1.60% | 1.50% | 1.45% | 1.52% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.49% | 21.71% | 8.94% | 1.62% | 5.89% | 7.07% | 4.36% | 4.40% | +278 bps | |
| Loan Growth (YoY) | 59.43% | 28.31% | 10.88% | 2.21% | 3.54% | 5.67% | 1.25% | 4.63% | +242 bps | |
| Deposit Growth (YoY) | 27.86% | 27.48% | 12.33% | -0.24% | 6.66% | 3.85% | 5.69% | 5.07% | +531 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 | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.02% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.19% | 1.18% | 1.22% | 1.50% | 1.34% | 1.32% | 1.41% | 1.45% | -6 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 | 11.51% | 11.95% | 13.03% | 13.59% | 12.66% | 12.94% | 12.40% | 13.31% | -28 bps | |
| Equity / Assets | 11.55% | 11.08% | 12.11% | 12.37% | 11.83% | 12.33% | 11.40% | 11.85% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.32% | 86.59% | 86.96% | 81.10% | 84.77% | 88.11% | 83.31% | 80.76% | -34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.32% | 1.22% | 1.56% | 0.17% | 0.17% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |