Chicago, IL · Charter 19248
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 19248
Q2 2002
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.02% | 1.30% | -1.16% | 0.91% | 0.15% | 0.33% | -1.45% | 1.32% | +41 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 1.49% | 3.03% | -13.61% | 10.96% | n/a | |
| Net Interest Margin | n/a | n/a | 6.70% | 7.02% | 7.02% | 7.51% | 6.17% | 6.98% | -4 bps | |
| Efficiency Ratio | n/a | n/a | 70.14% | 61.38% | 68.78% | 67.34% | 92.69% | 82.76% | +2,138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -41.42% | -19.44% | 0.51% | 12.38% | 10.99% | -14.21% | -30.35% | -31.02% | -4,339 bps | |
| Loan Growth (YoY) | -45.58% | -43.64% | -37.72% | 15.75% | -13.18% | -21.05% | -22.71% | -53.23% | -6,898 bps | |
| Share Growth (YoY) | -43.17% | -18.28% | 6.64% | 20.69% | 14.24% | -14.69% | -31.97% | -33.08% | -5,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.31% | 16.21% | 17.09% | 4.40% | 15.53% | 13.99% | 18.69% | 12.25% | +785 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 | 6.63% | 9.14% | 5.85% | 6.78% | 8.89% | 11.71% | 12.79% | 15.26% | +848 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.01% | 10.86% | 10.68% | 12.00% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.01% | 10.86% | 10.68% | 12.00% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.97% | 66.71% | 55.90% | 74.92% | 66.85% | 61.74% | 63.50% | 52.36% | -2,256 bps | |
| Liquid Assets / Assets | 21.50% | 38.91% | 0.00% | 0.00% | 42.94% | 49.00% | 48.16% | 58.67% | +5,867 bps | |