Westchester, IL · Cert 19107
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.05% | 0.98% | 1.02% | 0.99% | 1.09% | 1.18% | 1.01% | 0 bps | |
| Return on Equity | 13.64% | 13.69% | 12.66% | 13.33% | 13.06% | 14.47% | 15.16% | 12.95% | -38 bps | |
| Net Interest Margin | 3.34% | 3.38% | 3.51% | 3.41% | 3.13% | 3.17% | 3.09% | 3.03% | -38 bps | |
| Efficiency Ratio | 55.39% | 55.08% | 58.97% | 53.71% | 57.37% | 55.50% | 47.92% | 55.93% | +222 bps | |
| Non-Interest Burden | 1.56% | 1.57% | 1.86% | 1.62% | 1.59% | 1.53% | 1.24% | 1.49% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.49% | 0.16% | 1.25% | 0.02% | -0.49% | 5.30% | 1.25% | 0.11% | +9 bps | |
| Loan Growth (YoY) | 21.74% | 10.28% | 8.53% | 5.63% | 3.85% | 8.13% | 5.69% | 2.30% | -333 bps | |
| Deposit Growth (YoY) | 5.34% | 0.45% | -1.72% | -0.41% | 2.30% | 4.61% | 3.70% | 0.08% | +49 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 | 0.07% | 0.12% | 0.09% | 0.07% | 0.12% | 0.16% | 0.22% | -0.04% | -10 bps | |
| Allowance / Loans | 1.12% | 1.22% | 1.23% | 1.28% | 1.22% | 1.18% | 1.12% | 1.17% | -11 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 | 12.14% | 12.42% | 12.02% | 12.37% | 11.71% | 12.34% | 12.37% | 12.68% | +31 bps | |
| Equity / Assets | 7.52% | 7.84% | 7.59% | 7.69% | 7.40% | 7.73% | 7.87% | 7.78% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.45% | 90.02% | 91.89% | 88.03% | 92.84% | 93.05% | 93.66% | 89.98% | +195 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 |