Rolling Meadows, IL · Cert 18106
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.
Rolling Meadows, IL · Cert 18106
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 | 1.04% | 1.09% | 1.06% | 1.17% | 1.19% | 1.18% | 1.18% | 1.11% | -5 bps | |
| Return on Equity | 13.84% | 14.35% | 13.99% | 15.05% | 15.38% | 15.06% | 15.18% | 13.97% | -107 bps | |
| Net Interest Margin | 3.33% | 3.40% | 3.42% | 3.56% | 3.59% | 3.58% | 3.55% | 3.44% | -12 bps | |
| Efficiency Ratio | 54.23% | 54.25% | 56.25% | 54.53% | 53.91% | 54.30% | 53.02% | 54.77% | +25 bps | |
| Non-Interest Burden | 1.53% | 1.57% | 1.67% | 1.71% | 1.68% | 1.68% | 1.62% | 1.66% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.58% | 5.97% | 4.83% | 0.54% | -1.53% | -0.10% | 0.76% | -0.75% | -129 bps | |
| Loan Growth (YoY) | 24.52% | 16.63% | 17.57% | 8.91% | 0.09% | 1.76% | -1.94% | -2.08% | -1,099 bps | |
| Deposit Growth (YoY) | 5.10% | 3.19% | -1.35% | -3.42% | -4.47% | -2.96% | -2.43% | 2.73% | +615 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 | 0.03% | 0.02% | 0.03% | 0.04% | 0.05% | 0.06% | 0.07% | 0.06% | +2 bps | |
| Allowance / Loans | 1.09% | 1.11% | 1.09% | 1.11% | 1.11% | 1.08% | 1.10% | 1.10% | -1 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 | 11.37% | 11.71% | 11.28% | 11.73% | 11.63% | 11.81% | 11.80% | 11.98% | +25 bps | |
| Equity / Assets | 7.47% | 7.80% | 7.55% | 7.95% | 7.74% | 7.97% | 7.79% | 8.12% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.81% | 94.22% | 98.21% | 96.62% | 97.24% | 98.81% | 98.70% | 92.09% | -453 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 |