Hinsdale, IL · Cert 3679
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.
Hinsdale, IL · Cert 3679
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 | 1.18% | 1.17% | 1.18% | 1.36% | 1.43% | 1.44% | 1.46% | 1.40% | +4 bps | |
| Return on Equity | 15.21% | 15.20% | 15.34% | 17.19% | 18.13% | 18.48% | 18.64% | 17.76% | +57 bps | |
| Net Interest Margin | 3.65% | 3.61% | 3.56% | 3.77% | 3.77% | 3.61% | 3.52% | 3.34% | -43 bps | |
| Efficiency Ratio | 50.45% | 50.68% | 50.18% | 42.23% | 41.69% | 42.13% | 41.57% | 41.41% | -82 bps | |
| Non-Interest Burden | 1.61% | 1.59% | 1.56% | 1.36% | 1.30% | 1.27% | 1.23% | 1.19% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.95% | 8.96% | 8.60% | -0.53% | 0.28% | 2.73% | 1.58% | 8.53% | +906 bps | |
| Loan Growth (YoY) | 24.59% | 15.07% | 17.36% | 6.65% | 6.10% | 9.69% | 4.15% | 6.78% | +13 bps | |
| Deposit Growth (YoY) | 13.33% | 7.30% | 3.63% | -4.13% | -2.63% | -2.82% | 1.51% | 11.86% | +1,599 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 | 0.04% | 0.04% | 0.04% | 0.08% | 0.05% | 0.08% | 0.06% | 0.05% | -3 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.23% | 1.32% | 1.32% | 1.23% | 1.23% | 1.21% | -11 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 | 11.52% | 11.34% | 11.30% | 11.74% | 11.55% | 11.34% | 11.84% | 11.66% | -8 bps | |
| Equity / Assets | 7.78% | 7.54% | 7.69% | 8.12% | 7.82% | 7.63% | 8.00% | 7.74% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.71% | 91.45% | 98.26% | 100.30% | 99.93% | 103.22% | 100.82% | 95.75% | -455 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 |