Elmhurst, IL · Cert 34129
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.
Elmhurst, IL · Cert 34129
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 | 61.21% | 30.27% | 49.45% | 51.19% | 63.53% | 31.21% | 30.73% | 21.37% | -2,982 bps | |
| Return on Equity | n/a | 53.78% | 85.84% | 86.51% | 103.22% | 43.19% | 39.23% | 26.21% | -6,031 bps | |
| Net Interest Margin | 1.54% | 1.11% | 0.88% | 0.84% | 0.69% | 0.92% | 1.01% | 0.99% | +15 bps | |
| Efficiency Ratio | 77.34% | 85.59% | 77.30% | 75.73% | 70.05% | 75.17% | 67.55% | 68.74% | -699 bps | |
| Non-Interest Burden | -90.30% | -54.91% | -85.61% | -78.42% | -82.93% | -51.96% | -50.12% | -32.65% | +4,577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 33.69% | 17.85% | 55.79% | 47.73% | 99.34% | 44.36% | 20.57% | -3,522 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 2.81% | 2.24% | 1.92% | 1.60% | 1.36% | 1.21% | 0.98% | 0.90% | -70 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 98.78% | 96.16% | 135.69% | 137.15% | 141.17% | 203% | 456% | 459% | +32,190 bps | |
| Equity / Assets | 57.05% | 55.21% | 60.12% | 62.92% | 67.59% | 77.05% | 91.66% | 91.84% | +2,893 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 52.35% | 52.59% | 69.11% | 67.24% | 64.84% | 77.22% | 99.53% | 99.65% | +3,241 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |