Joliet, IL · Charter 61294
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Joliet, IL · Charter 61294
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | 0.20% | 0.14% | 0.38% | 0.01% | 0.40% | 0.09% | 0.31% | -7 bps | |
| Return on Equity | -1.29% | 1.83% | 1.25% | 3.15% | 0.12% | 3.18% | 0.70% | 2.29% | -86 bps | |
| Net Interest Margin | 1.10% | 2.55% | 1.89% | 2.02% | 1.85% | 1.85% | 1.53% | 1.68% | -34 bps | |
| Efficiency Ratio | 111.69% | 92.30% | 92.65% | 81.36% | 99.20% | 78.61% | 94.16% | 82.05% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | -2.48% | -10.08% | -16.61% | -13.28% | -13.62% | -12.49% | -9.94% | +667 bps | |
| Loan Growth (YoY) | 4.21% | -3.14% | 0.20% | 7.14% | 9.60% | 22.92% | 15.60% | 8.05% | +91 bps | |
| Share Growth (YoY) | 4.73% | -2.93% | -11.63% | -18.74% | -14.84% | -15.32% | -14.06% | -11.23% | +751 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0 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 | 0.70% | 0.53% | 0.54% | 0.50% | 0.49% | 0.46% | 0.46% | 0.46% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 10.75% | 11.25% | 12.05% | 12.06% | 12.51% | 12.83% | 13.30% | +126 bps | |
| Net Worth / Assets | 10.45% | 10.75% | 11.25% | 12.05% | 12.06% | 12.51% | 12.83% | 13.30% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.45% | 37.54% | 41.37% | 46.99% | 49.48% | 54.49% | 55.65% | 57.20% | +1,021 bps | |
| Liquid Assets / Assets | 63.75% | 38.33% | 24.78% | 20.10% | 16.96% | 17.92% | 0.00% | 0.00% | -2,010 bps | |