Chicago, IL · Cert 3619
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Chicago, IL · Cert 3619
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 1.07% | 0.83% | 0.84% | 0.74% | 0.05% | -0.36% | -0.32% | -116 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.91% | -6.25% | -5.96% | n/a | |
| Net Interest Margin | n/a | 3.10% | 3.09% | 2.72% | 2.38% | 1.45% | 1.30% | 1.17% | -154 bps | |
| Efficiency Ratio | n/a | 39.19% | 41.98% | 43.11% | 43.89% | 69.28% | 87.14% | 94.19% | +5,107 bps | |
| Non-Interest Burden | n/a | 0.74% | 0.85% | 0.77% | 0.69% | 0.77% | 1.04% | 1.06% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | 2.05% | 5.57% | 27.15% | 33.04% | 23.56% | 14.11% | 4.56% | -2,258 bps | |
| Loan Growth (YoY) | 10.68% | 8.32% | 7.49% | 2.24% | -1.25% | -13.99% | -19.97% | -24.43% | -2,667 bps | |
| Deposit Growth (YoY) | 19.62% | -1.96% | 1.59% | -12.01% | -8.96% | 8.22% | 5.36% | 6.23% | +1,824 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 | n/a | 1.16% | 1.29% | 1.17% | 1.22% | 1.34% | 1.43% | 1.18% | +2 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 3.83% | 4.07% | 4.42% | n/a | |
| 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 | n/a | 10.92% | 10.77% | 10.86% | 10.92% | 11.68% | 11.56% | 11.64% | +78 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 5.99% | 5.69% | 4.54% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 131.51% | 164.98% | 167.44% | 164.94% | 142.66% | 131.12% | 127.19% | 117.33% | -4,761 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 |