Libertyville, IL · Cert 32959
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.
Libertyville, IL · Cert 32959
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 | 0.91% | 0.90% | 0.87% | 0.86% | 0.93% | 0.99% | 1.05% | 1.08% | +22 bps | |
| Return on Equity | 11.84% | 11.97% | 11.62% | 11.51% | 12.49% | 13.20% | 13.97% | 13.74% | +223 bps | |
| Net Interest Margin | 3.36% | 3.29% | 3.32% | 3.43% | 3.39% | 3.47% | 3.47% | 3.56% | +13 bps | |
| Efficiency Ratio | 64.64% | 64.15% | 65.55% | 64.64% | 62.06% | 60.92% | 58.93% | 58.12% | -652 bps | |
| Non-Interest Burden | 1.86% | 1.80% | 1.90% | 1.99% | 1.85% | 1.84% | 1.78% | 1.82% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.08% | 13.73% | 12.42% | 5.00% | 2.53% | -2.22% | -1.83% | -0.37% | -537 bps | |
| Loan Growth (YoY) | 30.03% | 31.30% | 25.68% | 18.12% | 8.37% | 5.97% | 1.35% | 3.01% | -1,511 bps | |
| Deposit Growth (YoY) | 12.69% | 13.23% | 8.13% | 3.91% | 0.47% | -7.98% | -6.09% | -5.23% | -913 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 | 0.07% | 0.06% | 0.05% | 0.07% | 0.08% | 0.06% | 0.05% | -0.01% | -9 bps | |
| Allowance / Loans | 1.00% | 1.05% | 1.04% | 1.08% | 1.11% | 1.10% | 1.11% | 1.14% | +6 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 | 11.59% | 11.22% | 11.23% | 11.75% | 11.72% | 11.78% | 12.26% | 12.59% | +84 bps | |
| Equity / Assets | 7.51% | 7.27% | 7.31% | 7.67% | 7.38% | 7.60% | 7.72% | 8.00% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.82% | 87.54% | 93.61% | 90.98% | 92.56% | 100.81% | 101.03% | 98.89% | +791 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |