Chicago, IL · Cert 906
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 | 0.63% | 0.55% | 0.58% | 0.67% | 0.79% | 0.77% | 0.68% | 0.46% | -21 bps | |
| Return on Equity | 8.00% | 6.97% | 7.37% | 8.65% | 10.09% | 9.79% | 8.71% | 6.12% | -253 bps | |
| Net Interest Margin | 2.31% | 2.28% | 2.24% | 2.13% | 2.11% | 2.16% | 2.04% | 1.88% | -24 bps | |
| Efficiency Ratio | 65.99% | 68.44% | 68.18% | 70.45% | 70.70% | 74.50% | 74.47% | 80.42% | +996 bps | |
| Non-Interest Burden | 1.01% | 1.06% | 1.03% | 1.02% | 1.07% | 1.25% | 1.19% | 1.26% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.25% | -1.39% | 3.20% | 4.57% | -3.83% | 0.57% | 7.07% | 3.92% | -65 bps | |
| Loan Growth (YoY) | 4.71% | -1.99% | -0.33% | 3.40% | 7.33% | 14.14% | 18.33% | 19.58% | +1,618 bps | |
| Deposit Growth (YoY) | 7.18% | 5.55% | 21.94% | 19.61% | 12.00% | 4.61% | 1.56% | 1.97% | -1,763 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 | 0.78% | 0.79% | 0.78% | 0.36% | 0.36% | 0.29% | 0.20% | 0.24% | -12 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 11.80% | 12.28% | 12.25% | 11.81% | 12.06% | 11.80% | 11.75% | 11.12% | -69 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.18% | 80.57% | 80.41% | 80.27% | 89.29% | 87.91% | 93.70% | 94.13% | +1,386 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 |