Arlington Heights, IL · Cert 33982
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Arlington Heights, IL · Cert 33982
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.65% | 0.70% | 0.90% | 0.94% | 1.02% | 1.06% | 1.20% | +30 bps | |
| Return on Equity | 7.97% | 9.75% | 10.49% | 12.81% | 13.26% | 14.32% | 14.87% | 9.81% | -301 bps | |
| Net Interest Margin | 2.83% | 3.00% | 3.16% | 3.65% | 3.46% | 3.20% | 3.20% | 3.30% | -35 bps | |
| Efficiency Ratio | 68.33% | 64.67% | 63.87% | 59.20% | 59.01% | 56.46% | 55.01% | 55.21% | -399 bps | |
| Non-Interest Burden | 1.81% | 1.79% | 1.87% | 2.00% | 1.89% | 1.65% | 1.61% | 1.70% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.93% | -0.06% | -2.20% | 4.26% | 2.21% | 19.76% | 15.87% | 25.46% | +2,120 bps | |
| Loan Growth (YoY) | 5.43% | 7.23% | 7.31% | 4.72% | 9.58% | 16.73% | 17.02% | 15.14% | +1,042 bps | |
| Deposit Growth (YoY) | 9.34% | 2.25% | -4.83% | 1.52% | 5.98% | 19.13% | 21.54% | 17.17% | +1,564 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 | -0.05% | -0.02% | 0.02% | 0.00% | 0.01% | 0.01% | 0.05% | 1.74% | +175 bps | |
| Allowance / Loans | 1.58% | 1.61% | 1.58% | 1.63% | 1.58% | 1.46% | 1.41% | 1.05% | -57 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 | 10.12% | 10.18% | 10.42% | 10.35% | 10.94% | 10.48% | 10.91% | 10.12% | -23 bps | |
| Equity / Assets | 6.63% | 6.87% | 7.05% | 7.04% | 7.29% | 7.00% | 7.37% | 16.61% | +958 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.48% | 81.26% | 85.51% | 83.82% | 83.21% | 79.63% | 82.34% | 82.37% | -145 bps | |
| Liquid Assets / Assets | 0.11% | 0.05% | 0.04% | 0.04% | 0.10% | 0.07% | 0.05% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |