Bourbonnais, IL · Charter 17231
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Bourbonnais, IL · Charter 17231
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.21% | 0.18% | -0.32% | 0.04% | -0.40% | -0.58% | -0.89% | -57 bps | |
| Return on Equity | 1.43% | 1.20% | 0.98% | -1.82% | 0.23% | -2.11% | -3.13% | -4.67% | -285 bps | |
| Net Interest Margin | 3.56% | 3.65% | 3.68% | 3.48% | 3.67% | 3.90% | 3.84% | 3.38% | -10 bps | |
| Efficiency Ratio | 94.88% | 95.42% | 96.99% | 109.19% | 98.07% | 96.01% | 104.21% | 130.44% | +2,125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.33% | 4.57% | 0.85% | -0.21% | -2.73% | -6.38% | -5.17% | -10.83% | -1,062 bps | |
| Loan Growth (YoY) | -6.37% | -6.32% | -6.14% | -2.73% | -11.08% | -9.10% | -12.96% | -19.12% | -1,639 bps | |
| Share Growth (YoY) | 3.19% | 5.51% | 0.82% | -0.31% | -3.39% | -7.44% | -5.65% | -12.36% | -1,204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.67% | 5.31% | 4.11% | 3.97% | 4.70% | 2.68% | 1.25% | 1.82% | -216 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 | 0.04% | 0.07% | 0.03% | 0.10% | 0.18% | 0.51% | 0.62% | 0.63% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.48% | 17.83% | 18.17% | 17.69% | 18.04% | 18.76% | 18.58% | 19.10% | +141 bps | |
| Net Worth / Assets | 17.48% | 17.83% | 18.17% | 17.69% | 18.04% | 18.76% | 18.58% | 19.10% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.09% | 50.82% | 49.74% | 47.60% | 47.02% | 49.91% | 45.89% | 43.93% | -367 bps | |
| Liquid Assets / Assets | 15.68% | 21.60% | 27.26% | 34.37% | 8.60% | 35.63% | 44.09% | 46.24% | +1,187 bps | |