Summit, IL · Cert 17321
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Summit, IL · Cert 17321
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.71% | 0.71% | 0.88% | 0.93% | 0.95% | 0.91% | 0.67% | -21 bps | |
| Return on Equity | 10.58% | 9.63% | 9.58% | 11.39% | 11.95% | 12.26% | 11.77% | 8.98% | -240 bps | |
| Net Interest Margin | 3.21% | 3.30% | 3.36% | 3.57% | 3.56% | 3.55% | 3.47% | 3.18% | -40 bps | |
| Efficiency Ratio | 67.28% | 67.54% | 68.28% | 62.36% | 60.91% | 60.36% | 61.38% | 67.58% | +521 bps | |
| Non-Interest Burden | 1.92% | 1.98% | 2.06% | 2.01% | 1.93% | 1.90% | 1.89% | 1.97% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.86% | 7.41% | 1.80% | 1.96% | -1.49% | -0.29% | 6.06% | 7.73% | +577 bps | |
| Loan Growth (YoY) | 43.41% | 30.59% | 22.75% | 20.82% | 8.96% | 9.94% | 9.50% | 5.21% | -1,561 bps | |
| Deposit Growth (YoY) | 8.43% | 3.46% | 0.40% | -1.06% | -1.06% | -1.86% | 6.62% | 10.13% | +1,120 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 | 0.06% | 0.28% | 0.23% | 0.03% | 0.24% | 0.20% | 0.16% | 0.19% | +16 bps | |
| Allowance / Loans | 1.02% | 1.00% | 1.00% | 1.01% | 0.96% | 0.97% | 0.95% | 0.96% | -5 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 | 11.40% | 11.42% | 11.52% | 11.55% | 11.71% | 11.52% | 11.38% | 11.48% | -7 bps | |
| Equity / Assets | 7.28% | 7.49% | 7.72% | 7.77% | 7.75% | 7.73% | 7.55% | 7.43% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.52% | 89.43% | 94.82% | 97.75% | 97.48% | 100.18% | 97.38% | 93.38% | -437 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |