Round Lake Heights, IL · Cert 33376
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Round Lake Heights, IL · Cert 33376
FDIC
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.28% | 1.34% | 1.45% | 1.76% | 1.86% | 1.86% | 0.64%1 | -81 bps | |
| Return on Equity | 15.59% | 16.48% | 17.21% | 17.65% | 21.57% | 22.75% | 22.32% | 7.48% | -1,018 bps | |
| Net Interest Margin | 3.66% | 3.59% | 3.57% | 3.64% | 3.57% | 3.54% | 3.57% | 1.23% | -241 bps | |
| Efficiency Ratio | 57.31% | 55.88% | 56.16% | 54.68% | 53.47% | 53.60% | 55.71% | 60.31% | +562 bps | |
| Non-Interest Burden | 1.81% | 1.67% | 1.66% | 1.57% | 1.44% | 1.44% | 1.57% | 0.68% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.48% | 11.20% | 9.82% | 8.72% | 8.08% | 2.72% | 5.91% | 14.30% | +557 bps | |
| Loan Growth (YoY) | 19.09% | 22.14% | 25.31% | 17.89% | 21.34% | 13.90% | 16.57% | 13.84% | -405 bps | |
| Deposit Growth (YoY) | 12.68% | 9.24% | 7.77% | 6.34% | 4.30% | 0.93% | 3.84% | 13.85% | +751 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 0.97% | 1.00% | 1.00% | 0.96% | 0.97% | 0.92% | 0.94% | -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 | 12.32% | 12.32% | 12.43% | 12.72% | 11.86% | 12.30% | 12.37% | 13.42% | +70 bps | |
| Equity / Assets | 7.51% | 7.58% | 7.99% | 8.40% | 8.12% | 8.26% | 8.84% | 8.21% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.39% | 76.38% | 83.45% | 82.52% | 84.22% | 86.19% | 93.68% | 82.51% | -1 bps | |
| Liquid Assets / Assets | 0.04% | 0.17% | 0.14% | 0.08% | 0.08% | 0.02% | 0.09% | 0.03% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |