Mundelein, IL · Cert 33566
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 | -0.43% | 0.03% | -0.05% | -0.06% | -0.02% | -0.90% | -0.74% | -0.46% | -40 bps | |
| Return on Equity | n/a | 0.40% | -0.66% | -0.71% | -0.20% | -9.19% | -8.02% | -4.98% | -428 bps | |
| Net Interest Margin | 3.35% | 3.71% | 3.61% | 3.52% | 3.54% | 3.10% | 3.30% | 3.16% | -36 bps | |
| Efficiency Ratio | 92.71% | 96.99% | 102.89% | 105.54% | 107.55% | 125.50% | 121.97% | 119.14% | +1,360 bps | |
| Non-Interest Burden | 3.08% | 3.59% | 3.72% | 3.73% | 3.83% | 3.97% | 4.10% | 3.83% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.28% | -20.16% | -16.16% | -16.10% | -16.70% | -13.33% | -5.87% | -13.35% | +276 bps | |
| Loan Growth (YoY) | -31.68% | -30.10% | -25.66% | -24.69% | -21.10% | -19.51% | -22.35% | -31.56% | -686 bps | |
| Deposit Growth (YoY) | -21.56% | -21.25% | -17.14% | -17.31% | -18.39% | -14.76% | -6.21% | -13.58% | +374 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 | 1.96% | -0.10% | 0.38% | 0.14% | 0.07% | 0.28% | 0.09% | 0.05% | -10 bps | |
| Allowance / Loans | 1.25% | 1.39% | 1.24% | 1.43% | 1.61% | 1.62% | 1.79% | 1.86% | +43 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 | 13.80% | 14.91% | 15.20% | 15.91% | 17.22% | 17.31% | 17.85% | 19.32% | +341 bps | |
| Equity / Assets | 8.09% | 8.68% | 8.23% | 8.27% | 9.68% | 9.87% | 8.44% | 9.28% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.95% | 70.70% | 62.70% | 59.11% | 66.66% | 66.75% | 51.91% | 46.82% | -1,230 bps | |
| Liquid Assets / Assets | 0.02% | 0.04% | 0.05% | 0.03% | 0.07% | 0.05% | 0.02% | 6.09% | +605 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |