Naperville, IL · Cert 17728
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.
Naperville, IL · Cert 17728
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 | 1.13% | 1.09% | 1.02% | 0.78% | 0.86% | 0.93% | 0.96% | 1.05% | +27 bps | |
| Return on Equity | 14.73% | 14.24% | 13.44% | 10.56% | 11.53% | 12.27% | 12.63% | 13.40% | +284 bps | |
| Net Interest Margin | 3.36% | 3.36% | 3.20% | 3.10% | 2.99% | 3.03% | 3.09% | 3.17% | +7 bps | |
| Efficiency Ratio | 53.99% | 55.38% | 57.70% | 59.32% | 57.12% | 55.59% | 54.64% | 52.07% | -725 bps | |
| Non-Interest Burden | 1.50% | 1.55% | 1.58% | 1.64% | 1.49% | 1.45% | 1.45% | 1.40% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.43% | 6.87% | 10.54% | 9.05% | 4.11% | 4.87% | -0.93% | -2.98% | -1,203 bps | |
| Loan Growth (YoY) | 18.52% | 14.26% | 25.37% | 17.38% | 18.08% | 18.69% | 7.46% | 5.27% | -1,210 bps | |
| Deposit Growth (YoY) | 7.49% | 4.14% | 9.63% | 10.56% | 8.84% | 6.93% | -2.15% | -3.64% | -1,420 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 | 0.04% | 0.05% | 0.05% | 0.24% | 0.13% | 0.10% | 0.09% | 0.03% | -22 bps | |
| Allowance / Loans | 1.08% | 1.12% | 1.02% | 1.04% | 1.04% | 1.06% | 1.07% | 1.11% | +8 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 | 11.55% | 11.59% | 11.04% | 11.45% | 11.44% | 11.70% | 11.64% | 11.60% | +14 bps | |
| Equity / Assets | 7.52% | 7.50% | 7.35% | 7.47% | 7.63% | 7.72% | 7.77% | 7.88% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.53% | 81.06% | 85.48% | 85.28% | 89.54% | 89.98% | 93.88% | 93.16% | +789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 |