Rockford, IL · Cert 34916
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.
Rockford, IL · Cert 34916
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 | 1.23% | 1.72% | 1.54% | 1.35% | 1.39% | 1.44% | 1.51% | 1.65% | +29 bps | |
| Return on Equity | n/a | 25.34% | 22.79% | 20.44% | 20.89% | 21.23% | 21.68% | 23.68% | +325 bps | |
| Net Interest Margin | 3.08% | 3.27% | 3.37% | 3.25% | 3.11% | 3.42% | 3.39% | 3.39% | +14 bps | |
| Efficiency Ratio | 58.76% | 54.13% | 55.21% | 57.38% | 56.84% | 54.93% | 53.47% | 53.43% | -395 bps | |
| Non-Interest Burden | 1.13% | 1.01% | 1.18% | 1.31% | 1.21% | 1.26% | 1.17% | 1.12% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -14.63% | -12.89% | -7.06% | 1.70% | 11.60% | 6.82% | 0.12% | +718 bps | |
| Loan Growth (YoY) | -9.51% | -20.65% | -19.88% | -10.02% | 4.39% | 15.59% | 11.21% | -0.50% | +953 bps | |
| Deposit Growth (YoY) | -12.66% | -9.89% | -10.72% | -9.64% | -9.93% | -6.65% | 0.49% | 14.37% | +2,401 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 | 0.11% | 0.15% | 0.42% | 0.32% | 0.30% | 0.23% | 0.14% | 0.16% | -17 bps | |
| Allowance / Loans | 0.80% | 0.87% | 0.86% | 0.77% | 0.77% | 0.76% | 0.83% | 0.82% | +5 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 | 13.02% | 11.95% | 11.66% | 10.53% | 10.98% | 11.21% | 11.70% | 11.42% | +89 bps | |
| Equity / Assets | 6.72% | 6.83% | 6.76% | 6.20% | 6.70% | 6.88% | 7.26% | 6.95% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.56% | 91.96% | 94.86% | 111.10% | 109.59% | 113.87% | 104.98% | 96.66% | -1,444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |