Chicago, IL · Charter 24318
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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 24318
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.67% | -0.59% | -0.39% | -1.11% | -0.12% | -1.15% | -6.91% | -9.26% | -816 bps | |
| Return on Equity | -43.26% | -7.89% | -4.95% | -14.43% | -2.04% | -22.60% | -9148% | n/a | n/a | |
| Net Interest Margin | 4.63% | 5.75% | 6.30% | 6.76% | 6.87% | 5.93% | 6.45% | 5.29% | -147 bps | |
| Efficiency Ratio | 122.85% | 92.79% | 94.76% | 105.67% | 101.23% | 113.47% | 121.17% | 151.28% | +4,562 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.75% | -5.40% | -15.97% | -16.21% | -29.52% | -16.24% | -17.08% | -2.12% | +1,409 bps | |
| Loan Growth (YoY) | 10.69% | 3.30% | -6.39% | -3.81% | -19.89% | -24.37% | -41.51% | -44.08% | -4,027 bps | |
| Share Growth (YoY) | 10.76% | -5.94% | -18.19% | -19.46% | -30.01% | -14.87% | -11.54% | 7.90% | +2,736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 2.60% | 2.80% | 5.31% | 9.53% | 8.09% | 10.23% | 28.17% | +2,286 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 | 1.26% | 2.30% | 2.23% | 2.40% | 1.54% | 1.79% | 7.23% | 15.80% | +1,340 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.87% | 7.52% | 7.85% | 7.68% | 6.05% | 5.08% | 0.08% | -5.95% | -1,362 bps | |
| Net Worth / Assets | 3.87% | 7.52% | 7.85% | 7.68% | 6.05% | 5.08% | 0.08% | -5.95% | -1,362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.92% | 63.60% | 73.53% | 73.71% | 65.15% | 56.50% | 48.62% | 38.21% | -3,551 bps | |
| Liquid Assets / Assets | 40.85% | 35.30% | 21.27% | 22.35% | 33.41% | 41.07% | 48.32% | 61.48% | +3,913 bps | |