Chicago, IL · Charter 17408
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 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.
Chicago, IL · Charter 17408
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | -1.68% | -1.63% | -2.53% | -3.28% | -1.78% | -4.36% | -4.71% | -218 bps | |
| Return on Equity | -12.30% | -11.80% | -11.31% | -18.08% | -21.45% | -13.99% | -40.57% | -42.72% | -2,464 bps | |
| Net Interest Margin | 3.22% | 3.24% | 3.45% | 3.78% | 4.20% | 4.57% | 4.55% | 4.94% | +116 bps | |
| Efficiency Ratio | 142.19% | 138.43% | 135.26% | 160.12% | 114.40% | 107.35% | 204% | 193.76% | +3,364 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.36% | 2.05% | -0.77% | -6.99% | -14.44% | -22.18% | -21.84% | -26.25% | -1,926 bps | |
| Loan Growth (YoY) | -23.19% | -4.69% | -12.07% | 2.18% | 8.78% | 5.24% | 8.52% | -20.90% | -2,308 bps | |
| Share Growth (YoY) | -1.82% | 3.68% | 0.71% | -6.47% | -15.73% | -21.00% | -18.51% | -23.13% | -1,667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.87% | 3.54% | 3.67% | 4.48% | 1.95% | 1.72% | 0.23% | -344 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 | 3.16% | 2.72% | 2.97% | 2.22% | 3.05% | 7.84% | 8.07% | 8.28% | +606 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.06% | 14.26% | 14.41% | 14.02% | 15.31% | 12.72% | 10.76% | 11.02% | -299 bps | |
| Net Worth / Assets | 15.06% | 14.26% | 14.41% | 14.02% | 15.31% | 12.72% | 10.76% | 11.02% | -299 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.34% | 45.94% | 44.98% | 59.65% | 61.11% | 61.20% | 59.90% | 61.38% | +173 bps | |
| Liquid Assets / Assets | 53.20% | 29.21% | 25.06% | 10.14% | 6.24% | 3.94% | 41.50% | 5.19% | -495 bps | |