Elk Grove Village, IL · Cert 20544
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.
Elk Grove Village, IL · Cert 20544
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 | 1.15% | 1.21% | 1.15% | 1.06% | 1.04% | 0.96% | 0.94% | 0.93% | -12 bps | |
| Return on Equity | 14.97% | 15.50% | 14.81% | 13.96% | 13.95% | 12.90% | 12.45% | 12.19% | -177 bps | |
| Net Interest Margin | 3.85% | 3.84% | 3.87% | 3.78% | 3.79% | 3.52% | 3.42% | 3.41% | -37 bps | |
| Efficiency Ratio | 54.41% | 54.15% | 55.70% | 57.08% | 57.87% | 60.59% | 61.37% | 62.55% | +547 bps | |
| Non-Interest Burden | 1.78% | 1.74% | 1.85% | 1.92% | 1.95% | 1.92% | 1.90% | 1.95% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.05% | 5.08% | 2.52% | 5.01% | 8.67% | 13.51% | 11.42% | 9.75% | +474 bps | |
| Loan Growth (YoY) | 17.14% | 12.30% | 8.78% | 8.45% | 7.40% | 11.19% | 7.35% | 0.94% | -751 bps | |
| Deposit Growth (YoY) | 9.98% | 5.03% | 1.81% | -0.64% | 8.77% | 13.59% | 14.70% | 18.11% | +1,875 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 | 0.15% | 0.21% | 0.16% | 0.13% | 0.11% | 0.07% | 0.09% | 0.06% | -7 bps | |
| Allowance / Loans | 1.13% | 1.07% | 1.09% | 1.09% | 1.09% | 1.07% | 1.09% | 1.11% | +2 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 | 11.05% | 11.27% | 11.52% | 11.35% | 11.55% | 11.41% | 11.73% | 12.03% | +68 bps | |
| Equity / Assets | 7.63% | 8.09% | 7.62% | 7.50% | 7.35% | 7.43% | 7.68% | 7.61% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.96% | 92.41% | 97.87% | 99.97% | 87.84% | 90.45% | 91.59% | 85.44% | -1,453 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 |