Lincolnwood, IL · Cert 17501
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Lincolnwood, IL · Cert 17501
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.78% | 0.77% | 0.75% | 0.75% | 0.80% | 0.83% | 0.36% | -39 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.91% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 2.85% | 2.76% | 2.90% | 3.03% | 3.48% | +63 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 63.51% | 63.04% | 61.62% | 61.69% | 58.59% | -492 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.75% | 1.68% | 1.72% | 1.80% | 1.97% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 3.35% | 0.63% | 4.10% | 4.29% | -1.35% | 1.25% | -9.19% | -1,329 bps | |
| Loan Growth (YoY) | 5.48% | 12.43% | 11.91% | 13.95% | 8.89% | 6.29% | 11.25% | 6.82% | -713 bps | |
| Deposit Growth (YoY) | -4.73% | -9.87% | -7.27% | -0.46% | 4.50% | 9.57% | 9.36% | 1.10% | +156 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 | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.66% | 0.68% | 0.67% | 0.60% | 1.18% | +52 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 | n/a | n/a | n/a | 22.49% | 22.66% | 21.14% | 20.21% | 21.17% | -131 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.06% | 8.14% | 8.73% | 8.81% | 9.48% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.69% | 53.05% | 54.08% | 53.16% | 50.74% | 51.46% | 55.01% | 56.17% | +301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 49.81% | 45.89% | 43.87% | 37.74% | 35.28% | -1,453 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |