Wheaton, IL · Charter 61446
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Wheaton, IL · Charter 61446
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.34% | 0.37% | 0.53% | 0.52% | 0.58% | 0.54% | 0.60% | +7 bps | |
| Return on Equity | 5.11% | 5.16% | 5.72% | 8.45% | 8.36% | 8.85% | 8.22% | 9.10% | +65 bps | |
| Net Interest Margin | 4.63% | 4.80% | 4.71% | 4.57% | 4.50% | 4.75% | 4.70% | 4.64% | +7 bps | |
| Efficiency Ratio | 86.47% | 85.51% | 83.88% | 82.85% | 82.50% | 81.89% | 82.80% | 80.87% | -199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.84% | 15.83% | 11.93% | 11.76% | 10.20% | 8.91% | 6.85% | 4.42% | -734 bps | |
| Loan Growth (YoY) | 16.84% | 17.88% | 6.03% | 5.12% | 7.89% | 11.42% | 14.43% | 14.71% | +958 bps | |
| Share Growth (YoY) | 17.47% | 16.52% | 12.31% | 12.02% | 10.43% | 8.85% | 6.55% | 4.06% | -796 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.30% | 0.36% | 0.25% | 0.25% | 0.22% | 0.27% | 0.24% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.54% | 0.59% | 0.65% | 0.65% | 0.65% | 0.63% | 0.69% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.34% | 6.58% | 6.47% | 6.29% | 6.20% | 6.60% | 6.60% | 6.57% | +28 bps | |
| Net Worth / Assets | 6.34% | 6.58% | 6.47% | 6.29% | 6.20% | 6.60% | 6.60% | 6.57% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.10% | 87.73% | 85.96% | 80.88% | 81.19% | 89.80% | 92.32% | 89.15% | +827 bps | |
| Liquid Assets / Assets | 12.74% | 8.74% | 8.24% | 12.36% | 10.70% | 7.10% | 4.47% | 3.85% | -851 bps | |