Chicago, IL · Cert 919
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 1.07% | 1.30% | 1.21% | 1.35% | 1.13% | 0.95% | 1.70% | +49 bps | |
| Return on Equity | 10.86% | 14.23% | 16.24% | 14.57% | 15.86% | 12.97% | 10.73% | 18.82% | +425 bps | |
| Net Interest Margin | 4.07% | 4.61% | 4.93% | 5.22% | 5.24% | 5.26% | 5.03% | 5.82% | +59 bps | |
| Efficiency Ratio | 74.03% | 63.50% | 55.96% | 62.16% | 60.07% | 61.27% | 58.47% | 55.67% | -649 bps | |
| Non-Interest Burden | 2.90% | 2.75% | 2.50% | 3.07% | 2.95% | 3.05% | 2.76% | 3.10% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.87% | 0.11% | -1.83% | -7.37% | -3.59% | 0.43% | 4.55% | 5.61% | +1,297 bps | |
| Loan Growth (YoY) | 45.85% | 9.53% | 5.61% | 5.21% | -2.41% | -3.90% | -6.22% | -12.10% | -1,731 bps | |
| Deposit Growth (YoY) | 68.66% | -1.02% | -7.04% | -8.87% | -6.21% | 0.60% | 6.37% | 6.63% | +1,550 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 | 0.29% | 0.12% | 0.14% | 0.17% | 0.07% | 0.08% | 1.17% | 0.00% | -17 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.35% | 1.34% | 1.45% | 1.56% | 1.65% | 1.72% | +37 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 | 10.20% | 10.33% | 11.19% | 11.30% | 11.99% | 12.21% | 12.89% | 13.51% | +221 bps | |
| Equity / Assets | 7.38% | 7.70% | 8.34% | 8.23% | 8.77% | 8.68% | 9.04% | 9.05% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.65% | 90.15% | 93.98% | 93.48% | 91.20% | 86.12% | 82.86% | 77.06% | -1,642 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 |