Chicago, IL · Charter 60860
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 60860
Q1 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.58% | -2.40% | -2.04% | 0.19% | 0.29% | 0.12% | -0.33% | +171 bps | |
| Return on Equity | n/a | 3.90% | -15.77% | -13.10% | 1.33% | 1.99% | 0.79% | -2.10% | +1,100 bps | |
| Net Interest Margin | 5.37% | 5.83% | 5.48% | 5.24% | 4.21% | 4.22% | 4.14% | 3.96% | -128 bps | |
| Efficiency Ratio | 92.20% | 88.42% | 107.93% | 118.48% | 95.49% | 93.17% | 97.20% | 108.13% | -1,035 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.94% | -21.41% | -26.64% | -28.49% | -16.20% | -8.17% | -0.35% | 0.12% | +2,861 bps | |
| Loan Growth (YoY) | -28.68% | -19.77% | -27.39% | -28.34% | -24.21% | -28.66% | -16.88% | -18.54% | +980 bps | |
| Share Growth (YoY) | -17.84% | -23.83% | -29.26% | -31.35% | -17.32% | -7.81% | 0.27% | 0.09% | +3,144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 2.01% | 1.06% | 1.90% | 1.20% | 1.47% | 2.19% | 2.94% | +104 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 | 1.22% | 1.10% | 1.33% | 1.48% | 2.04% | 2.27% | 2.27% | 2.64% | +117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 14.97% | 15.23% | 15.59% | 14.46% | 14.63% | 14.69% | 15.61% | +2 bps | |
| Net Worth / Assets | n/a | 14.97% | 15.23% | 15.59% | 14.46% | 14.63% | 14.69% | 15.61% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.30% | 66.11% | 60.60% | 59.51% | 53.44% | 51.16% | 50.23% | 48.43% | -1,108 bps | |
| Liquid Assets / Assets | 39.19% | 37.49% | 46.77% | 43.07% | 29.50% | 31.53% | 32.29% | 37.69% | -538 bps | |