Chicago, IL · Charter 60195
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 60195
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | -0.76% | -0.68% | 0.25% | 0.47% | 1.97% | 1.06% | -3.98% | -423 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 5.98% | 6.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 83.05% | 299% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -36.16% | -37.65% | -35.98% | -34.02% | -37.21% | -30.16% | -9.37% | -12.44% | +2,159 bps | |
| Loan Growth (YoY) | 35.20% | 14.92% | 12.24% | -20.85% | -14.34% | -25.34% | -33.96% | -29.56% | -871 bps | |
| Share Growth (YoY) | -43.22% | -43.30% | -42.28% | -41.23% | -46.24% | -39.92% | -14.23% | -17.60% | +2,363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.01% | 6.18% | 0.59% | 1.89% | 0.84% | 0.00% | 0.00% | 0.00% | -189 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 | 3.28% | 5.29% | 5.23% | 6.19% | 6.39% | 8.29% | 9.40% | 10.52% | +433 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.82% | 70.21% | 92.58% | 84.96% | 104.88% | 87.23% | 71.29% | 72.64% | -1,233 bps | |
| Liquid Assets / Assets | 22.80% | 39.17% | 7.08% | 7.10% | 7.89% | 21.79% | 17.58% | 0.00% | -710 bps | |