Glenview, IL · Cert 30919
FDIC
Q3 2004
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.59% | -0.56% | -1.51% | -11.26% | -2.16% | -57 bps | |
| Return on Equity | -7.09% | -2.46% | -6.06% | -46.27% | -7.32% | -23 bps | |
| Net Interest Margin | 1.50% | 2.27% | 2.27% | 2.35% | 11.62% | +1,012 bps | |
| Efficiency Ratio | 185.69% | 104.38% | 154.21% | 156.72% | 65.41% | -12,028 bps | |
| Non-Interest Burden | 2.98% | 2.43% | 3.77% | 3.99% | 5.54% | +255 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.47% | -12.58% | -15.71% | -24.40% | -78.50% | -6,403 bps | |
| Loan Growth (YoY) | -1.77% | -19.09% | -24.83% | -16.19% | -70.50% | -6,874 bps | |
| Deposit Growth (YoY) | -16.48% | -14.92% | -19.72% | -26.55% | -100.00% | -8,352 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.50% | 0.41% | 0.00% | 0.00% | 0.00% | -50 bps | |
| Allowance / Loans | 2.26% | 2.94% | 3.07% | 11.44% | 34.23% | +3,197 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 36.21% | 41.94% | 43.26% | 37.59% | 133.29% | +9,708 bps | |
| Equity / Assets | 24.25% | 24.68% | 25.36% | 22.81% | 97.48% | +7,323 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.27% | 76.03% | 76.90% | 85.14% | n/a | n/a | |
| Liquid Assets / Assets | 0.26% | 0.26% | 0.27% | 0.30% | 3.62% | +336 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |