Barrington, IL · Cert 19855
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.
Barrington, IL · Cert 19855
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 | 1.09% | 1.08% | 1.03% | 0.94% | 0.91% | 0.94% | 0.94% | 0.98% | +4 bps | |
| Return on Equity | 12.08% | 11.94% | 11.40% | 10.49% | 10.12% | 10.28% | 10.27% | 10.48% | -2 bps | |
| Net Interest Margin | 3.74% | 3.78% | 3.81% | 3.61% | 3.56% | 3.54% | 3.50% | 3.55% | -6 bps | |
| Efficiency Ratio | 51.20% | 51.82% | 54.33% | 56.92% | 58.94% | 59.25% | 59.11% | 57.34% | +42 bps | |
| Non-Interest Burden | 1.64% | 1.68% | 1.81% | 1.82% | 1.87% | 1.87% | 1.84% | 1.83% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.92% | 1.58% | 3.44% | -3.32% | -3.42% | -3.84% | -2.77% | 0.53% | +385 bps | |
| Loan Growth (YoY) | 16.73% | 16.47% | 18.15% | 5.14% | 7.01% | 5.55% | 5.81% | 7.17% | +203 bps | |
| Deposit Growth (YoY) | 1.42% | -0.54% | 0.15% | -4.49% | -6.41% | -5.83% | -4.30% | 1.90% | +639 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% | 0.06% | 0.08% | 0.17% | 0.20% | 0.16% | 0.16% | 0.11% | -6 bps | |
| Allowance / Loans | 1.17% | 1.21% | 1.20% | 1.20% | 1.16% | 1.10% | 1.07% | 1.04% | -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 | 12.08% | 11.74% | 11.69% | 11.36% | 11.45% | 11.38% | 11.27% | 11.22% | -14 bps | |
| Equity / Assets | 8.99% | 8.88% | 8.99% | 8.88% | 9.25% | 9.42% | 9.32% | 9.37% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.60% | 96.00% | 97.63% | 102.41% | 103.59% | 107.61% | 107.95% | 107.70% | +530 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 |