Chicago, IL · Charter 60171
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 3.11% | 3.09% | -4.12% | -2.56% | -4.83% | -1.24% | -94.24% | -9,012 bps | |
| Return on Equity | 0.00% | 5.88% | 5.79% | -6.78% | -4.16% | -5.88% | -1.46% | -122.49% | -11,571 bps | |
| Net Interest Margin | 5.18% | 7.35% | 7.29% | 4.88% | 4.22% | 8.88% | 6.54% | 9.18% | +430 bps | |
| Efficiency Ratio | 100.00% | 57.61% | 57.61% | 184.45% | 160.74% | 154.41% | 118.91% | 191.54% | +709 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.79% | -20.01% | -19.39% | -32.54% | -30.62% | -35.90% | -37.89% | -55.61% | -2,307 bps | |
| Loan Growth (YoY) | -24.49% | -27.38% | -20.90% | -42.83% | -39.35% | -46.16% | -47.66% | -89.96% | -4,713 bps | |
| Share Growth (YoY) | -21.46% | -34.79% | -34.45% | -52.75% | -60.82% | -75.65% | -79.69% | -73.84% | -2,109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 48.18% | 50.73% | 50.73% | 47.55% | 81.08% | 82.08% | 83.50% | 7.03% | -4,052 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 | 2.88% | 3.38% | 3.38% | 4.75% | 4.75% | 5.01% | 5.15% | 50.63% | +4,588 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 44.47% | 52.97% | 53.34% | 60.76% | 61.54% | 82.14% | 84.74% | 76.93% | +1,617 bps | |
| Net Worth / Assets | 44.47% | 52.97% | 53.34% | 60.76% | 61.54% | 82.14% | 84.74% | 76.93% | +1,617 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.72% | 115.02% | 115.02% | 120.50% | 151.25% | 254% | 296% | 46.23% | -7,428 bps | |
| Liquid Assets / Assets | 44.18% | 44.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |