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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 51.19% | 63.53% | 31.21% | 30.73% | 21.37% | -2,982 bps | |
| Return on Equity | 86.51% | 103.22% | 43.19% | 39.23% | 26.21% | -6,031 bps | |
| Net Interest Margin | 0.84% | 0.69% | 0.92% | 1.01% | 0.99% | +15 bps | |
| Efficiency Ratio | 75.73% | 70.05% | 75.17% | 67.55% | 68.74% | -699 bps | |
| Non-Interest Burden | -78.42% | -82.93% | -51.96% | -50.12% | -32.65% | +4,577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 137.15% | 141.17% | 203% | 456% | 459% | +32,190 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |