Bartlett, IL · Cert 9073
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 | 1.25% | 1.27% | 1.13% | 0.83% | 0.87% | 0.95% | 1.05% | 1.07% | +23 bps | |
| Return on Equity | 14.67% | 15.02% | 13.46% | 10.67% | 11.07% | 12.05% | 13.17% | 13.22% | +255 bps | |
| Net Interest Margin | 3.84% | 3.82% | 3.70% | 3.70% | 3.69% | 3.72% | 3.64% | 3.46% | -24 bps | |
| Efficiency Ratio | 56.30% | 55.30% | 58.42% | 60.35% | 61.27% | 61.24% | 59.27% | 58.81% | -154 bps | |
| Non-Interest Burden | 1.67% | 1.59% | 1.72% | 1.91% | 1.91% | 1.89% | 1.76% | 1.67% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | 7.38% | 10.40% | 11.48% | 3.03% | 2.33% | 0.36% | -1.46% | -1,294 bps | |
| Loan Growth (YoY) | 9.45% | 22.57% | 24.13% | 22.30% | 13.44% | 5.68% | 2.87% | 7.41% | -1,489 bps | |
| Deposit Growth (YoY) | 3.71% | 8.29% | 2.30% | 13.11% | -1.60% | -1.73% | -0.29% | -10.03% | -2,314 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 | 0.01% | 0.30% | 0.22% | 0.05% | 0.09% | 0.02% | 0.04% | -0.01% | -6 bps | |
| Allowance / Loans | 0.97% | 0.77% | 0.91% | 1.03% | 1.13% | 1.16% | 1.12% | 1.10% | +6 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 | 12.66% | 11.96% | 12.25% | 11.69% | 12.05% | 12.14% | 12.59% | 11.71% | +1 bps | |
| Equity / Assets | 8.41% | 8.27% | 8.19% | 7.42% | 7.99% | 8.05% | 8.30% | 7.83% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.56% | 89.22% | 97.31% | 84.47% | 95.19% | 95.95% | 100.40% | 100.84% | +1,638 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 |