Third Lake, IL · Cert 33467
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Third Lake, IL · Cert 33467
FDIC
Q3 2003
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.37% | 0.61% | 0.64% | 0.72% | 1.07% | 1.15% | 1.11% | +48 bps | |
| Return on Equity | n/a | 3.72% | 6.04% | 6.22% | 6.97% | 10.14% | 11.04% | 10.79% | +457 bps | |
| Net Interest Margin | 3.74% | 3.35% | 3.83% | 3.76% | 3.98% | 4.60% | 4.60% | 4.05% | +29 bps | |
| Efficiency Ratio | 75.46% | 77.16% | 71.36% | 70.56% | 68.92% | 61.01% | 58.79% | 58.97% | -1,160 bps | |
| Non-Interest Burden | 2.69% | 2.60% | 2.73% | 2.65% | 2.73% | 2.75% | 2.63% | 2.33% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.29% | 11.69% | 12.12% | 6.85% | 5.41% | 8.42% | 14.03% | 21.95% | +1,510 bps | |
| Loan Growth (YoY) | 12.50% | 15.47% | 20.12% | 10.18% | 17.44% | 16.25% | 16.37% | 17.77% | +760 bps | |
| Deposit Growth (YoY) | 15.70% | 9.35% | 8.59% | -1.74% | -0.42% | 3.65% | 10.72% | 25.67% | +2,741 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% | 0.02% | 0.07% | 0.08% | 0.08% | -0.01% | 0.13% | 0.09% | +1 bps | |
| Allowance / Loans | 0.78% | 0.78% | 0.75% | 0.78% | 0.81% | 0.81% | 0.73% | 0.77% | -1 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 | 10.54% | 10.07% | 10.14% | 10.55% | 10.60% | 10.24% | 10.26% | 10.51% | -4 bps | |
| Equity / Assets | 9.90% | 9.98% | 10.38% | 10.74% | 10.65% | 10.38% | 10.32% | 10.04% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.36% | 88.19% | 94.05% | 100.37% | 98.31% | 98.92% | 98.85% | 94.06% | -631 bps | |
| Liquid Assets / Assets | 2.63% | 1.46% | 1.20% | 0.54% | 0.10% | 0.54% | 4.23% | 4.22% | +368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |