Grayslake, IL · Cert 35097
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.56% | 0.35% | 0.25% | 0.47% | 0.21% | 0.60% | 0.50% | 0.40% | -6 bps | |
| Return on Equity | 56.57% | 3.54% | 2.53% | 4.78% | 2.17% | 6.12% | 4.94% | 3.87% | -90 bps | |
| Net Interest Margin | 3.23% | 3.02% | 3.00% | 3.27% | 3.40% | 3.53% | 3.68% | 3.84% | +57 bps | |
| Efficiency Ratio | 100.25% | 79.81% | 83.69% | 75.16% | 91.12% | 76.99% | 86.46% | 80.65% | +549 bps | |
| Non-Interest Burden | 3.24% | 2.34% | 2.45% | 2.36% | 3.07% | 2.66% | 3.13% | 3.04% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.43% | 28.38% | 19.83% | 13.08% | 10.57% | -0.28% | -1.43% | -3.07% | -1,616 bps | |
| Loan Growth (YoY) | 27.72% | 39.59% | 30.98% | 28.01% | 8.98% | 0.61% | -4.47% | -0.69% | -2,871 bps | |
| Deposit Growth (YoY) | 21.70% | 29.41% | 19.68% | 12.14% | 11.29% | -1.05% | -2.45% | -4.21% | -1,635 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 | 0.00% | 0.05% | 0.01% | -0.01% | -0.02% | -0.02% | 0.06% | 0.00% | +1 bps | |
| Allowance / Loans | 1.17% | 1.14% | 1.14% | 1.17% | 1.18% | 1.20% | 1.13% | 1.12% | -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 | 11.08% | 10.52% | 10.70% | 11.20% | 11.56% | 11.87% | 12.32% | 12.13% | +93 bps | |
| Equity / Assets | 10.52% | 9.53% | 9.93% | 9.56% | 9.83% | 9.93% | 10.54% | 10.29% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.86% | 87.11% | 93.56% | 90.03% | 91.91% | 88.57% | 91.63% | 93.34% | +331 bps | |
| Liquid Assets / Assets | 4.78% | 6.25% | 5.46% | 11.92% | 10.42% | 13.69% | 11.47% | 9.16% | -276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |