Maywood, IL · Cert 17292
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Maywood, IL · Cert 17292
FDIC
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -2.49% | -0.21% | -0.76% | -1.60% | -1.32% | -2.40% | -1.84% | -108 bps | |
| Return on Equity | -5.70% | -34.88% | -3.29% | -12.28% | -28.01% | -23.66% | -49.67% | -39.09% | -2,681 bps | |
| Net Interest Margin | 2.37% | 2.29% | 2.84% | 2.85% | 2.75% | 2.65% | 1.96% | 2.20% | -65 bps | |
| Efficiency Ratio | 120.04% | 130.39% | 103.47% | 103.99% | 105.29% | 99.67% | 146.75% | 140.88% | +3,689 bps | |
| Non-Interest Burden | 2.99% | 3.22% | 2.96% | 2.99% | 2.93% | 2.64% | 3.11% | 3.28% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.87% | -11.93% | -11.15% | -10.54% | -4.54% | -16.82% | -19.16% | -23.43% | -1,290 bps | |
| Loan Growth (YoY) | 25.74% | 16.72% | 7.12% | 0.79% | -15.00% | -21.04% | -26.36% | -27.98% | -2,878 bps | |
| Deposit Growth (YoY) | 11.64% | -3.22% | -3.12% | -4.69% | 1.43% | -14.70% | -17.38% | -25.55% | -2,086 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 | 2.86% | 2.73% | 1.27% | 1.64% | 4.19% | 4.18% | -1.37% | -0.69% | -232 bps | |
| Allowance / Loans | 1.70% | 2.45% | 1.69% | 2.39% | 2.08% | 1.92% | 3.03% | 3.36% | +97 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 | 11.02% | 9.14% | 10.31% | 8.86% | 8.06% | 8.54% | 8.28% | 8.25% | -61 bps | |
| Equity / Assets | 8.04% | 5.90% | 7.00% | 5.65% | 4.31% | 4.97% | 4.67% | 4.42% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.65% | 79.95% | 81.63% | 78.39% | 65.92% | 74.01% | 72.76% | 75.83% | -256 bps | |
| Liquid Assets / Assets | 0.85% | 0.40% | 0.37% | 3.49% | 5.37% | 4.59% | 2.79% | 4.93% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |