East St Louis, IL · Charter 60178
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.
East St Louis, IL · Charter 60178
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 | 0.23% | 0.09% | 0.18% | -0.10% | 0.93% | 1.04% | 1.41% | -32.24% | -3,214 bps | |
| Return on Equity | 1.32% | 0.54% | 1.03% | -0.61% | 5.49% | 5.79% | 4.42% | -250% | -24,912 bps | |
| Net Interest Margin | 4.09% | 3.87% | 3.97% | 3.63% | 4.38% | 4.71% | 7.71% | -8.03% | -1,166 bps | |
| Efficiency Ratio | 94.37% | 97.58% | 95.57% | 102.83% | 78.83% | 77.86% | 81.68% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.50% | -5.99% | -6.09% | -2.53% | 3.30% | -2.81% | -45.26% | -62.47% | -5,993 bps | |
| Loan Growth (YoY) | -2.61% | -0.55% | -2.96% | 1.01% | 1.08% | 5.42% | -46.31% | -90.89% | -9,190 bps | |
| Share Growth (YoY) | -9.73% | -6.82% | -7.00% | -3.08% | 3.74% | -3.83% | -55.15% | -60.57% | -5,749 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.16% | 10.67% | 10.32% | 8.69% | 10.10% | 8.82% | 16.76% | 40.23% | +3,153 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 | 8.25% | 7.68% | 7.43% | 6.19% | 7.03% | 6.27% | 11.92% | 100.00% | +9,381 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.40% | 17.15% | 17.17% | 16.95% | 16.92% | 18.01% | 31.99% | 12.91% | -404 bps | |
| Net Worth / Assets | 17.40% | 17.15% | 17.17% | 16.95% | 16.92% | 18.01% | 31.99% | 12.91% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.19% | 41.45% | 42.67% | 44.07% | 38.18% | 45.43% | 51.08% | 10.19% | -3,388 bps | |
| Liquid Assets / Assets | 66.41% | 64.78% | 63.85% | 62.54% | 67.22% | 61.93% | 64.26% | 95.10% | +3,256 bps | |