Glenview, IL · Cert 30919
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -1.74% | -1.77% | -1.18% | 2.84% | -1.51% | -21.64% | 30.36% | +3,153 bps | |
| Return on Equity | -7.58% | -7.83% | -8.23% | -5.19% | 11.61% | -6.06% | -89.58% | 80.65% | +8,583 bps | |
| Net Interest Margin | 1.90% | 0.86% | 1.52% | 1.94% | 4.34% | 2.27% | 2.35% | 28.73% | +2,680 bps | |
| Efficiency Ratio | 214% | 289% | 215% | 128.05% | 56.66% | 154.21% | 159.15% | 50.15% | -7,790 bps | |
| Non-Interest Burden | 4.07% | 2.59% | 3.28% | 2.67% | 0.30% | 3.77% | 4.09% | 6.22% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.69% | -10.07% | -8.14% | -14.47% | -12.58% | -15.71% | -24.40% | -78.50% | -6,403 bps | |
| Loan Growth (YoY) | 7.76% | 5.72% | 14.11% | -1.77% | -19.09% | -24.83% | -16.19% | -70.50% | -6,874 bps | |
| Deposit Growth (YoY) | -12.56% | -11.66% | -6.92% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 1.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.17% | 2.11% | 1.96% | 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 | 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 | 34.27% | 32.68% | 34.72% | 36.21% | 41.94% | 43.26% | 37.59% | 133.29% | +9,708 bps | |
| Equity / Assets | 22.49% | 21.85% | 21.29% | 24.25% | 24.68% | 25.36% | 22.81% | 97.48% | +7,323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.95% | 82.12% | 74.62% | 85.27% | 76.03% | 76.90% | 85.14% | n/a | n/a | |
| Liquid Assets / Assets | 0.22% | 0.22% | 0.23% | 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 | n/a | n/a | n/a |