Aurora, IL · Charter 60183
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Aurora, IL · Charter 60183
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.82% | 0.72% | 0.62% | 0.69% | 0.11% | 1.43% | 1.30% | +68 bps | |
| Return on Equity | 7.04% | 6.62% | 5.87% | 4.87% | 5.02% | 0.75% | 8.90% | 7.44% | +257 bps | |
| Net Interest Margin | 3.22% | 3.31% | 3.12% | 3.21% | 3.44% | 3.69% | 4.11% | 4.18% | +97 bps | |
| Efficiency Ratio | 70.26% | 70.50% | 72.94% | 71.27% | 70.44% | 69.99% | 62.00% | 65.62% | -565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | -1.08% | -1.25% | -6.20% | -11.52% | -13.57% | -22.77% | -25.22% | -1,902 bps | |
| Loan Growth (YoY) | -1.63% | -1.33% | -0.94% | -2.05% | -8.87% | -9.96% | -13.07% | -15.68% | -1,362 bps | |
| Share Growth (YoY) | 2.16% | -2.04% | -1.93% | -7.47% | -13.13% | -15.69% | -25.96% | -29.01% | -2,154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.52% | 6.43% | 7.26% | 9.69% | 8.85% | 11.07% | 8.86% | 4.95% | -474 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 | 3.06% | 3.00% | 2.74% | 2.98% | 2.64% | 3.46% | 3.81% | 2.96% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.81% | 12.39% | 12.20% | 12.79% | 13.73% | 14.09% | 16.04% | 17.46% | +467 bps | |
| Net Worth / Assets | 11.81% | 12.39% | 12.20% | 12.79% | 13.73% | 14.09% | 16.04% | 17.46% | +467 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.03% | 47.18% | 46.58% | 46.97% | 49.33% | 50.38% | 54.69% | 55.79% | +882 bps | |
| Liquid Assets / Assets | 54.79% | 54.51% | 55.04% | 54.89% | 52.82% | 52.30% | 49.29% | 0.00% | -5,489 bps | |