Chicago, IL · Cert 29791
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.
Chicago, IL · Cert 29791
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 | 0.09% | -0.23% | -0.51% | -0.41% | -0.49% | -0.59% | -0.44% | -1.12% | -71 bps | |
| Return on Equity | 1.18% | -3.16% | -6.78% | -4.72% | -5.78% | -6.93% | -5.15% | -13.59% | -886 bps | |
| Net Interest Margin | 4.03% | 3.98% | 4.13% | 4.07% | 3.97% | 3.97% | 4.10% | 4.21% | +14 bps | |
| Efficiency Ratio | 91.44% | 93.79% | 100.58% | 107.19% | 110.34% | 111.63% | 106.28% | 126.81% | +1,962 bps | |
| Non-Interest Burden | 3.75% | 3.85% | 4.37% | 4.63% | 4.65% | 4.72% | 4.61% | 5.79% | +116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.91% | 26.68% | 14.66% | -13.65% | -13.43% | -12.09% | -0.57% | -2.01% | +1,164 bps | |
| Loan Growth (YoY) | -0.55% | 0.14% | 10.00% | -18.23% | -15.61% | -2.40% | 9.40% | 19.86% | +3,809 bps | |
| Deposit Growth (YoY) | 38.48% | 37.02% | 20.13% | -14.02% | -15.81% | -15.76% | -5.54% | -7.70% | +632 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 | -0.05% | 0.40% | 0.33% | -0.11% | 0.34% | 0.21% | 0.37% | -0.03% | +8 bps | |
| Allowance / Loans | 0.61% | 0.83% | 1.21% | 1.31% | 1.20% | 1.13% | 0.85% | 0.80% | -52 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 | 11.67% | 11.31% | 13.71% | 13.39% | 13.99% | 13.45% | 13.19% | 11.26% | -213 bps | |
| Equity / Assets | 6.97% | 6.85% | 8.64% | 8.64% | 8.35% | 8.38% | 8.29% | 8.21% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.51% | 68.11% | 74.89% | 72.86% | 70.68% | 78.92% | 86.74% | 94.62% | +2,176 bps | |
| Liquid Assets / Assets | 3.91% | 4.47% | 5.01% | 4.93% | 3.25% | 4.11% | 4.10% | 3.71% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |