Chicago, IL · Cert 22177
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.41% | 1.35% | 1.35% | 1.37% | 1.25% | 1.42% | 1.44% | +9 bps | |
| Return on Equity | 16.80% | 16.38% | 15.39% | 15.30% | 15.61% | 14.21% | 15.14% | 14.97% | -33 bps | |
| Net Interest Margin | 4.00% | 4.09% | 3.90% | 3.79% | 3.84% | 3.69% | 4.08% | 4.09% | +30 bps | |
| Efficiency Ratio | 43.79% | 44.54% | 46.60% | 46.35% | 46.19% | 45.10% | 41.26% | 41.51% | -484 bps | |
| Non-Interest Burden | 1.37% | 1.44% | 1.44% | 1.41% | 1.44% | 1.36% | 1.39% | 1.39% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | -0.61% | -2.82% | -3.08% | 6.42% | 19.54% | 11.58% | 11.78% | +1,487 bps | |
| Loan Growth (YoY) | 3.70% | 2.88% | 0.71% | 0.12% | 7.14% | 22.34% | 11.57% | 13.07% | +1,295 bps | |
| Deposit Growth (YoY) | 6.58% | 4.87% | 16.44% | 5.20% | 21.60% | 45.92% | 6.19% | 15.68% | +1,048 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 | 0.03% | 0.07% | 0.02% | 0.62% | 0.53% | 0.34% | 0.33% | 0.08% | -54 bps | |
| Allowance / Loans | 1.56% | 1.58% | 1.61% | 1.35% | 1.24% | 1.33% | 1.43% | 1.52% | +17 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 | 11.79% | 11.07% | 10.77% | 10.99% | 10.65% | 10.83% | 11.97% | 12.15% | +115 bps | |
| Equity / Assets | 9.39% | 8.80% | 8.77% | 8.85% | 8.73% | 8.90% | 9.89% | 10.08% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.93% | 121.65% | 113.78% | 127.79% | 109.19% | 101.99% | 119.55% | 124.91% | -288 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 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 |