Huntley, IL · Cert 1783
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.
Huntley, IL · Cert 1783
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 | 1.01% | 1.04% | 0.87% | 0.44% | 0.54% | 0.62% | 0.62% | 0.52% | +8 bps | |
| Return on Equity | 12.82% | 13.17% | 11.22% | 6.34% | 8.03% | 9.20% | 9.24% | 7.82% | +149 bps | |
| Net Interest Margin | 3.51% | 3.41% | 3.21% | 2.84% | 2.71% | 2.61% | 2.61% | 2.74% | -10 bps | |
| Efficiency Ratio | 64.40% | 64.63% | 69.39% | 80.16% | 74.45% | 71.36% | 70.75% | 72.38% | -778 bps | |
| Non-Interest Burden | 1.77% | 1.69% | 1.83% | 2.11% | 1.79% | 1.62% | 1.61% | 1.82% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 0.19% | 12.00% | 35.43% | 38.62% | 36.09% | 37.77% | 22.50% | -1,292 bps | |
| Loan Growth (YoY) | 30.37% | 12.04% | 16.67% | 37.39% | 38.36% | 48.99% | 48.14% | 27.06% | -1,034 bps | |
| Deposit Growth (YoY) | -1.50% | -10.51% | 24.17% | 52.53% | 52.67% | 39.89% | 17.75% | 3.48% | -4,904 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 | 0.02% | 0.02% | 0.03% | 0.08% | 0.06% | 0.05% | 0.04% | 0.01% | -7 bps | |
| Allowance / Loans | 1.16% | 1.23% | 1.16% | 0.99% | 0.97% | 0.95% | 0.94% | 0.97% | -3 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 | 11.17% | 11.37% | 11.99% | 10.28% | 10.50% | 10.62% | 10.57% | 10.64% | +36 bps | |
| Equity / Assets | 7.56% | 7.77% | 7.29% | 6.56% | 6.40% | 6.77% | 6.63% | 6.72% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.84% | 93.09% | 83.76% | 88.07% | 82.33% | 99.15% | 105.38% | 108.12% | +2,006 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 |