Barrington, IL · Cert 3604
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Barrington, IL · Cert 3604
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.97% | 1.07% | 1.44% | 1.51% | 1.48% | 1.51% | 1.32% | -11 bps | |
| Return on Equity | 11.53% | 12.57% | 13.83% | 19.32% | 19.71% | 19.80% | 19.57% | 16.34% | -298 bps | |
| Net Interest Margin | 3.66% | 3.49% | 3.31% | 3.08% | 3.09% | 2.95% | 2.88% | 2.64% | -44 bps | |
| Efficiency Ratio | 63.38% | 61.10% | 58.20% | 41.07% | 40.79% | 40.61% | 39.62% | 41.16% | +9 bps | |
| Non-Interest Burden | 1.98% | 1.78% | 1.57% | 0.80% | 0.77% | 0.71% | 0.65% | 0.61% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.22% | 19.25% | 9.27% | 17.26% | 3.89% | 13.68% | 1.79% | 2.33% | -1,493 bps | |
| Loan Growth (YoY) | 22.16% | 26.43% | 19.18% | 11.03% | 9.65% | 3.59% | 4.65% | 8.32% | -270 bps | |
| Deposit Growth (YoY) | 11.15% | 9.25% | 5.09% | 3.38% | 3.80% | -0.87% | 2.01% | 3.15% | -23 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 | 0.10% | 0.12% | 0.11% | 0.08% | 0.21% | 0.20% | 0.16% | 0.26% | +18 bps | |
| Allowance / Loans | 1.18% | 1.13% | 1.14% | 1.18% | 1.08% | 1.02% | 1.02% | 0.98% | -21 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 | 11.42% | 10.70% | 11.70% | 11.95% | 12.03% | 11.61% | 12.35% | 11.86% | -8 bps | |
| Equity / Assets | 7.86% | 6.98% | 7.82% | 7.10% | 8.22% | 6.94% | 8.66% | 7.60% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.21% | 94.24% | 97.44% | 93.84% | 95.30% | 98.48% | 99.95% | 98.54% | +471 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 |