Aurora, IL · Charter 60391
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Aurora, IL · Charter 60391
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | -0.39% | -0.76% | -1.05% | -1.29% | -0.51% | -0.94% | -5.55% | -450 bps | |
| Return on Equity | 1.81% | -1.62% | -3.07% | -4.04% | -4.86% | -1.81% | -3.23% | -18.55% | -1,451 bps | |
| Net Interest Margin | 3.63% | 3.27% | 3.22% | 3.36% | 3.52% | 3.55% | 3.67% | 3.65% | +29 bps | |
| Efficiency Ratio | 81.78% | 111.77% | 108.70% | 112.90% | 101.01% | 113.77% | 109.68% | 124.61% | +1,171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.74% | -14.87% | -18.71% | -20.12% | -19.16% | -18.58% | -19.06% | -25.42% | -530 bps | |
| Loan Growth (YoY) | -16.96% | -20.59% | -15.75% | -10.61% | -12.86% | -10.24% | -8.93% | -9.52% | +109 bps | |
| Share Growth (YoY) | -10.27% | -19.07% | -23.38% | -25.29% | -23.34% | -23.05% | -23.84% | -29.43% | -414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.90% | 10.77% | 12.53% | 12.50% | 11.29% | 12.49% | 10.55% | 5.10% | -740 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 | 6.09% | 6.59% | 6.81% | 6.06% | 5.51% | 6.10% | 6.20% | 8.37% | +231 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.56% | 24.04% | 24.58% | 25.88% | 26.61% | 28.14% | 28.94% | 29.93% | +405 bps | |
| Net Worth / Assets | 22.56% | 24.04% | 24.58% | 25.88% | 26.61% | 28.14% | 28.94% | 29.93% | +405 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.40% | 48.84% | 51.50% | 57.08% | 56.15% | 56.97% | 61.58% | 73.19% | +1,611 bps | |
| Liquid Assets / Assets | 62.09% | 63.02% | 61.66% | 58.01% | 57.75% | 59.22% | 56.65% | 50.10% | -791 bps | |