PackageTrendsPeer
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Suburban Bank of Barrington

Barrington, IL · Cert 19855

FDIC

Q1 2005

$279.0MAssets
$258.8MLoans
$240.3MDeposits
$26.1MEquity
Loan mix
97%RE $139.3M2%C&I $3.5M0%Consumer $0.4MQ1 2004Q1 2005
Deposit mix
83%Interest-bearing $199.2M17%Noninterest $41.0MQ1 2004Q1 2005

NIM

4.95%Q1 ’034.43%Q1 ’044.85%Q1 ’05-3%-2%

Non-interest income vs. expense

2.23%Q1 ’032.36%Q1 ’042.32%Q1 ’05+11%+0%

Executive Summary

  • Earnings: ROA of 0.98%, up 4 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 107.70% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

0.98%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.55%-6 bps YoY

Efficiency Ratio (quarter, annualized)

57.34%+42 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.94%0.89%1.00%0.96%0.98%+4 bps
Return on Equity10.49%9.79%10.68%10.25%10.48%-2 bps
Net Interest Margin3.61%3.46%3.54%3.57%3.55%-6 bps
Efficiency Ratio56.92%61.05%59.86%58.69%57.34%+42 bps
Non-Interest Burden1.82%1.89%1.88%1.87%1.83%0 bps
Growth
Asset Growth (YoY)-3.32%-3.42%-3.84%-2.77%0.53%+385 bps
Loan Growth (YoY)5.14%7.01%5.55%5.81%7.17%+203 bps
Deposit Growth (YoY)-4.49%-6.41%-5.83%-4.30%1.90%+639 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.22%0.10%0.16%0.11%-6 bps
Allowance / Loans1.20%1.16%1.10%1.07%1.04%-15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.36%11.45%11.38%11.27%11.22%-14 bps
Equity / Assets8.88%9.25%9.42%9.32%9.37%+49 bps
Liquidity & Funding
Loans / Deposits102.41%103.59%107.61%107.95%107.70%+530 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a