PackageTrendsPeer
Letter portraitLegal landscape

A. J. E.

Joliet, IL · Charter 61294

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

A. J. E.

Joliet, IL · Charter 61294

Q3 2006

$4.7MAssets
$2.3MLoans
$4.1MShares
$623KNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 7 bps year over year; NIM at 1.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.30%, up 126 bps from a year ago.
  • Funding: loans stand at 57.20% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

0.31%-7 bps YoY

Net Interest Margin (YTD, annualized)

1.68%-34 bps YoY

Efficiency Ratio (YTD, annualized)

82.05%+69 bps YoY

Net Worth / Assets

13.30%+126 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
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 Margin1.10%2.55%1.89%2.02%1.85%1.85%1.53%1.68%-34 bps
Efficiency Ratio111.69%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 / Loans0.22%0.00%0.00%0.00%0.04%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.53%0.54%0.50%0.49%0.46%0.46%0.46%-4 bps
Capital
Risk-Based Capital10.45%10.75%11.25%12.05%12.06%12.51%12.83%13.30%+126 bps
Net Worth / Assets10.45%10.75%11.25%12.05%12.06%12.51%12.83%13.30%+126 bps
Liquidity & Funding
Loans / Shares38.45%37.54%41.37%46.99%49.48%54.49%55.65%57.20%+1,021 bps
Liquid Assets / Assets63.75%38.33%24.78%20.10%16.96%17.92%0.00%0.00%-2,010 bps