Hinsdale, IL · Cert 33415
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.12% | 1.16% | 1.28% | 1.23% | 1.25% | 1.47% | 1.48% | +20 bps | |
| Return on Equity | n/a | n/a | n/a | 18.76% | 18.26% | 19.44% | 23.17% | 21.34% | +259 bps | |
| Net Interest Margin | n/a | n/a | 3.16% | 3.21% | 3.00% | 3.19% | 3.33% | 3.37% | +15 bps | |
| Efficiency Ratio | n/a | n/a | 46.85% | 46.91% | 46.24% | 41.74% | 39.24% | 38.07% | -884 bps | |
| Non-Interest Burden | n/a | n/a | 1.30% | 1.23% | 1.13% | 1.04% | 1.01% | 1.06% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.58% | 24.57% | 16.47% | 18.57% | 23.15% | 33.01% | 28.59% | 18.37% | -20 bps | |
| Loan Growth (YoY) | 43.55% | 38.20% | 39.15% | 31.76% | 29.78% | 33.76% | 27.00% | 23.39% | -837 bps | |
| Deposit Growth (YoY) | 26.91% | 25.44% | 27.02% | 26.34% | 20.06% | 16.79% | 24.88% | 12.75% | -1,359 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 | n/a | n/a | 0.07% | 0.00% | 0.00% | 0.18% | 0.07% | -0.02% | -2 bps | |
| Allowance / Loans | n/a | n/a | 0.98% | 1.02% | 1.00% | 1.00% | 1.00% | 1.02% | 0 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 | n/a | n/a | 11.53% | 10.79% | 10.36% | 10.07% | 10.58% | 10.83% | +4 bps | |
| Equity / Assets | n/a | n/a | 7.04% | 6.64% | 6.85% | 6.07% | 6.58% | 7.29% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.41% | 72.37% | 75.04% | 75.68% | 80.44% | 82.88% | 76.31% | 82.83% | +714 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 2.28% | 2.11% | 1.99% | 1.68% | 1.65% | 1.63% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |