Chicago, IL · Charter 60350
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.81% | 0.11% | 0.11% | 0.12% | 0.08% | 0.05% | -0.42% | -52 bps | |
| Return on Equity | 7.72% | 5.46% | 0.76% | 0.69% | 0.78% | 0.48% | 0.33% | -2.57% | -326 bps | |
| Net Interest Margin | 4.80% | 4.39% | 3.37% | 3.45% | 3.51% | 3.09% | 2.89% | 2.67% | -78 bps | |
| Efficiency Ratio | 79.98% | 85.18% | 97.81% | 97.21% | 96.77% | 98.56% | 98.98% | 108.41% | +1,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.03% | -0.83% | -0.95% | -4.02% | -6.94% | -5.02% | -6.99% | -8.02% | -401 bps | |
| Loan Growth (YoY) | -24.41% | -6.29% | -12.05% | -18.17% | -5.28% | -28.72% | -29.81% | -37.14% | -1,898 bps | |
| Share Growth (YoY) | -2.22% | -3.03% | -2.47% | -5.56% | -8.45% | -5.96% | -8.14% | -9.07% | -351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.00% | 0.08% | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | -24 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 | 4.35% | 3.22% | 2.96% | 2.85% | 2.87% | 3.10% | 3.44% | 3.53% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.23% | 14.91% | 14.73% | 15.20% | 15.67% | 15.84% | 15.92% | 16.25% | +106 bps | |
| Net Worth / Assets | 14.23% | 14.91% | 14.73% | 15.20% | 15.67% | 15.84% | 15.92% | 16.25% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.54% | 17.28% | 14.88% | 14.99% | 15.05% | 13.10% | 11.37% | 10.36% | -463 bps | |
| Liquid Assets / Assets | 84.28% | 58.67% | 60.76% | 77.88% | 77.73% | 85.02% | 86.37% | 68.61% | -926 bps | |