Chicago, IL · Charter 60547
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.25% | -0.81% | -0.83% | -1.69% | -0.10% | -0.41% | -0.52% | +31 bps | |
| Return on Equity | -9.07% | -3.66% | -12.08% | -12.40% | -26.82% | -1.74% | -6.68% | -8.52% | +388 bps | |
| Net Interest Margin | 3.85% | 3.17% | 3.31% | 3.44% | 3.82% | 3.58% | 3.74% | 3.89% | +45 bps | |
| Efficiency Ratio | 104.00% | 102.55% | 102.22% | 98.53% | 103.39% | 96.12% | 93.53% | 98.32% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.42% | 39.86% | 31.54% | 31.07% | 6.46% | -8.03% | -10.55% | -11.09% | -4,216 bps | |
| Loan Growth (YoY) | 16.36% | 20.84% | 19.73% | 15.47% | 9.22% | -4.96% | 0.41% | 2.94% | -1,253 bps | |
| Share Growth (YoY) | 18.78% | 43.16% | 33.95% | 33.80% | 7.38% | -7.16% | -9.99% | -11.95% | -4,575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.19% | 1.42% | 1.60% | 2.21% | 2.28% | 1.23% | 1.13% | 1.16% | -105 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 | 0.98% | 0.97% | 1.07% | 1.17% | 1.77% | 1.55% | 1.41% | 1.08% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.31% | 6.86% | 6.74% | 6.67% | 6.32% | 5.91% | 6.07% | 6.08% | -59 bps | |
| Net Worth / Assets | 7.31% | 6.86% | 6.74% | 6.67% | 6.32% | 5.91% | 6.07% | 6.08% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.02% | 59.97% | 60.22% | 62.28% | 68.17% | 61.39% | 67.17% | 72.81% | +1,053 bps | |
| Liquid Assets / Assets | 23.34% | 29.63% | 27.81% | 26.64% | 21.87% | 126.48% | 20.39% | 17.26% | -938 bps | |