West Chicago, IL · Charter 61345
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.30% | -1.68% | -2.53% | -2.45% | -2.91% | -6.68% | -28.23% | -2,569 bps | |
| Return on Equity | 0.47% | 1.84% | -11.19% | -16.60% | -16.27% | -19.63% | -57.31% | -531% | -51,449 bps | |
| Net Interest Margin | 3.97% | 4.23% | 4.30% | 3.26% | 4.20% | 4.43% | 4.66% | 5.33% | +207 bps | |
| Efficiency Ratio | 96.66% | 92.25% | 99.20% | 166.88% | 151.79% | 156.35% | 171.10% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | -5.41% | -10.42% | -14.27% | -14.94% | -15.34% | -18.26% | -19.34% | -507 bps | |
| Loan Growth (YoY) | -1.08% | 11.60% | 9.09% | 8.22% | 6.99% | 9.35% | 14.42% | 22.96% | +1,474 bps | |
| Share Growth (YoY) | -6.12% | -4.45% | -10.68% | -14.38% | -14.48% | -15.67% | -15.61% | -13.95% | +43 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.96% | 7.74% | 11.12% | 10.84% | 10.30% | 8.83% | 3.67% | 0.00% | -1,084 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 | 2.82% | 2.65% | 5.85% | 4.65% | 4.62% | 1.72% | 0.49% | 6.12% | +147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.43% | 16.24% | 14.99% | 15.27% | 15.05% | 14.83% | 11.66% | 5.31% | -995 bps | |
| Net Worth / Assets | 15.43% | 16.24% | 14.99% | 15.27% | 15.05% | 14.83% | 11.66% | 5.31% | -995 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.72% | 56.48% | 57.88% | 60.63% | 63.46% | 73.24% | 78.48% | 86.64% | +2,601 bps | |
| Liquid Assets / Assets | 22.82% | 18.61% | 24.54% | 25.10% | 30.45% | 14.98% | 22.38% | 17.84% | -725 bps | |