Round Lake Heights, IL · Cert 33376
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.38% | 1.49% | 1.45% | 2.08% | 2.03% | 1.82% | 0.64%1 | -81 bps | |
| Return on Equity | 15.78% | 18.30% | 19.13% | 17.65% | 25.19% | 24.77% | 21.26% | 7.48% | -1,018 bps | |
| Net Interest Margin | 3.75% | 3.73% | 3.73% | 3.64% | 3.67% | 3.67% | 3.72% | 1.23% | -241 bps | |
| Efficiency Ratio | 56.96% | 53.33% | 56.93% | 54.68% | 52.36% | 53.84% | 62.01% | 60.31% | +562 bps | |
| Non-Interest Burden | 1.82% | 1.53% | 1.73% | 1.57% | 1.39% | 1.50% | 2.01% | 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 |