Elmwood Park, IL · Charter 60139
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.
Elmwood Park, IL · Charter 60139
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 | -0.21% | 0.24% | 0.40% | 1.10% | 0.96% | -0.85% | -0.88% | 2.77% | +168 bps | |
| Return on Equity | -1.34% | 1.45% | 2.20% | 5.85% | 4.66% | -3.66% | -3.70% | 9.80% | +395 bps | |
| Net Interest Margin | 6.66% | 6.97% | 7.15% | 6.96% | 7.50% | 8.14% | 8.40% | 6.87% | -9 bps | |
| Efficiency Ratio | 103.15% | 96.56% | 94.58% | 84.56% | 87.43% | 110.19% | 99.05% | 59.61% | -2,496 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.87% | -7.57% | -7.54% | -10.06% | -18.59% | -27.27% | -27.16% | -37.06% | -2,700 bps | |
| Loan Growth (YoY) | -9.83% | -6.81% | -2.97% | -3.27% | -8.67% | -12.29% | -14.54% | -20.24% | -1,697 bps | |
| Share Growth (YoY) | -11.89% | -5.54% | -9.10% | -12.79% | -22.80% | -32.94% | -32.73% | -44.29% | -3,150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.69% | 13.49% | 18.74% | 17.45% | 17.75% | 19.91% | 24.06% | 20.83% | +338 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 | 6.60% | 6.46% | 6.63% | 6.62% | 7.19% | 8.94% | 9.41% | 9.44% | +282 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.99% | 16.87% | 17.97% | 18.75% | 20.64% | 23.10% | 23.79% | 28.31% | +956 bps | |
| Net Worth / Assets | 15.99% | 16.87% | 17.97% | 18.75% | 20.64% | 23.10% | 23.79% | 28.31% | +956 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.58% | 58.92% | 60.44% | 62.92% | 65.75% | 77.07% | 76.78% | 90.07% | +2,716 bps | |
| Liquid Assets / Assets | 35.72% | 32.80% | 31.92% | 29.67% | 48.03% | 42.25% | 43.71% | 38.74% | +907 bps | |