Chicago, IL · Charter 20128
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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 20128
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 1.03% | 0.05% | 0.02% | -0.87% | -4633% | -3089% | -2393% | -239,300 bps | |
| Return on Equity | 2.07% | 5.39% | 0.27% | 0.10% | -1.64% | -4633% | -3089% | -2393% | -239,308 bps | |
| Net Interest Margin | 0.63% | 1.95% | 0.77% | 0.75% | -0.55% | -169.60% | -113.07% | -87.60% | -8,836 bps | |
| Efficiency Ratio | 42.56% | 48.18% | 93.44% | 97.24% | n/a | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | -8.80% | -14.84% | -17.25% | -65.79% | -99.99% | -99.99% | -99.98% | -8,274 bps | |
| Loan Growth (YoY) | -36.31% | -28.57% | -24.78% | -17.80% | -29.21% | -100.00% | -100.00% | -100.00% | -8,220 bps | |
| Share Growth (YoY) | -3.51% | -9.73% | -17.60% | -20.99% | -80.36% | -100.00% | -100.00% | -100.00% | -7,901 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 2.76% | 2.97% | 1.17% | 28.97% | n/a | n/a | n/a | n/a | |
| 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 | 1.28% | 1.21% | 1.30% | 1.45% | 1.80% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 18.19% | 19.08% | 19.81% | 21.76% | 52.70% | 100.00% | 100.00% | 100.00% | +7,824 bps | |
| Net Worth / Assets | 18.19% | 19.08% | 19.81% | 21.76% | 52.70% | 100.00% | 100.00% | 100.00% | +7,824 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.85% | 13.21% | 13.09% | 13.22% | 42.71% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 89.59% | 88.49% | 88.76% | 88.83% | 78.26% | 100.00% | 100.00% | 100.00% | +1,117 bps | |