Des Plaines, IL · Cert 29008
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.14% | 1.15% | 1.15% | 0.99% | 1.08% | 1.11% | 0.39% | -76 bps | |
| Return on Equity | 14.47% | 14.70% | 14.80% | 14.81% | 12.99% | 14.20% | 14.49% | 5.00% | -981 bps | |
| Net Interest Margin | 3.80% | 3.57% | 3.58% | 3.54% | 3.43% | 3.44% | 3.47% | 3.51% | -3 bps | |
| Efficiency Ratio | 54.56% | 54.48% | 53.68% | 53.92% | 56.13% | 53.37% | 53.13% | 65.57% | +1,165 bps | |
| Non-Interest Burden | 1.75% | 1.60% | 1.57% | 1.58% | 1.68% | 1.54% | 1.52% | 2.08% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 4.95% | 3.63% | 3.95% | 1.64% | 3.14% | 1.42% | -3.25% | -720 bps | |
| Loan Growth (YoY) | 11.86% | 2.99% | 4.08% | 5.25% | 1.36% | 10.22% | 5.59% | -1.34% | -659 bps | |
| Deposit Growth (YoY) | -0.80% | 2.80% | 3.06% | 3.82% | 5.14% | 4.60% | 0.42% | -1.92% | -575 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 | 0.28% | 0.21% | 0.14% | 0.10% | 0.23% | 0.22% | 0.18% | 0.87% | +77 bps | |
| Allowance / Loans | 1.27% | 1.33% | 1.32% | 1.30% | 1.31% | 1.27% | 1.27% | 1.35% | +5 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 | 11.92% | 12.33% | 11.94% | 11.61% | 11.98% | 11.96% | 12.61% | 12.01% | +40 bps | |
| Equity / Assets | 7.78% | 7.67% | 7.73% | 7.62% | 7.65% | 7.54% | 7.97% | 7.85% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.37% | 104.74% | 109.78% | 113.10% | 109.29% | 110.37% | 115.44% | 113.78% | +67 bps | |
| Liquid Assets / Assets | 0.09% | 2.74% | 0.18% | 0.00% | 1.83% | 2.53% | 0.01% | 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 |