Chicago, IL · Cert 18168
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.34% | 0.18% | 0.35% | 0.41% | 0.51% | 0.05% | -0.02% | -38 bps | |
| Return on Equity | 3.76% | 3.53% | 1.85% | 3.79% | 4.66% | 6.00% | 0.55% | -0.24% | -403 bps | |
| Net Interest Margin | 3.26% | 3.50% | 3.19% | 3.29% | 3.38% | 3.18% | 3.08% | 2.87% | -42 bps | |
| Efficiency Ratio | 83.84% | 84.51% | 90.59% | 82.22% | 76.81% | 76.64% | 90.58% | 94.90% | +1,268 bps | |
| Non-Interest Burden | 2.55% | 2.82% | 2.82% | 2.75% | 2.60% | 2.36% | 2.93% | 2.84% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.86% | -4.13% | -0.60% | 1.80% | 20.35% | 20.42% | 15.25% | 14.91% | +1,311 bps | |
| Loan Growth (YoY) | -18.00% | -16.75% | -10.02% | 7.33% | 13.21% | 15.67% | 18.22% | 2.72% | -461 bps | |
| Deposit Growth (YoY) | -6.23% | -3.49% | -0.02% | 2.52% | 9.82% | 11.63% | 6.41% | 7.17% | +465 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% | -0.09% | -0.02% | 0.06% | 0.50% | -0.06% | -0.21% | -0.46% | -52 bps | |
| Allowance / Loans | 0.96% | 1.05% | 1.11% | 1.00% | 0.99% | 1.01% | 1.09% | 1.15% | +15 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 | 12.19% | 12.64% | 12.55% | 12.04% | 11.53% | 11.43% | 11.38% | 11.45% | -59 bps | |
| Equity / Assets | 9.60% | 9.84% | 9.40% | 9.31% | 8.50% | 8.63% | 8.82% | 8.63% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.22% | 54.05% | 52.85% | 59.41% | 55.90% | 56.01% | 58.71% | 56.94% | -247 bps | |
| Liquid Assets / Assets | 0.69% | 0.39% | 0.87% | 0.52% | 4.01% | 1.51% | 3.63% | 5.14% | +463 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |