Elburn, IL · Cert 35532
FDIC
Q3 2002
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -13.04% | -7.13% | -5.14% | -2.36% | -1.34% | -1.28% | +585 bps | |
| Return on Equity | n/a | n/a | n/a | -8.84% | -5.50% | -5.77% | n/a | |
| Net Interest Margin | 2.75% | 1.34% | 1.34% | 3.09% | 3.08% | 2.50% | +116 bps | |
| Efficiency Ratio | 1718% | 854% | 455% | 140.65% | 126.57% | 132.08% | -72,167 bps | |
| Non-Interest Burden | 47.32% | 11.70% | 6.20% | 4.37% | 3.92% | 3.32% | -838 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 181.16% | 96.26% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3650% | 160.07% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 578% | 156.96% | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 3.05% | 0.53% | 0.87% | 1.13% | 1.02% | 0.90% | +38 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 217% | 58.68% | 34.36% | 31.21% | 27.38% | 23.79% | -3,489 bps | |
| Equity / Assets | 63.73% | 36.80% | 27.42% | 26.07% | 20.47% | 17.32% | -1,948 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 15.43% | 78.77% | 99.36% | 105.21% | 85.39% | 79.72% | +95 bps | |
| Liquid Assets / Assets | 0.00% | 1.71% | 1.88% | 0.39% | 5.00% | 1.37% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |