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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.98% | -1.74% | -1.76% | -1.59% | -0.56% | -1.51% | -11.26% | -2.16% | -57 bps | |
| Return on Equity | -4.50% | -7.83% | -8.03% | -7.09% | -2.46% | -6.06% | -46.27% | -7.32% | -23 bps | |
| Net Interest Margin | 1.45% | 0.86% | 1.19% | 1.50% | 2.27% | 2.27% | 2.35% | 11.62% | +1,012 bps | |
| Efficiency Ratio | 201% | 289% | 243% | 185.69% | 104.38% | 154.21% | 156.72% | 65.41% | -12,028 bps | |
| Non-Interest Burden | 2.97% | 2.59% | 2.94% | 2.98% | 2.43% | 3.77% | 3.99% | 5.54% | +255 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 | 0.57% | 0.00% | 0.71% | 0.50% | 0.41% | 0.00% | 0.00% | 0.00% | -50 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 |