Argonne, IL · Charter 61414
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.73% | 0.70% | 0.75% | 0.71% | 0.65% | 0.59% | 0.51% | -23 bps | |
| Return on Equity | 7.16% | 6.96% | 6.43% | 6.80% | 6.43% | 5.83% | 5.10% | 4.38% | -242 bps | |
| Net Interest Margin | 2.98% | 2.91% | 2.96% | 2.93% | 2.87% | 2.89% | 2.92% | 2.91% | -2 bps | |
| Efficiency Ratio | 77.22% | 77.30% | 78.79% | 77.48% | 76.99% | 78.60% | 81.16% | 83.24% | +576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 7.59% | 5.88% | 4.42% | 2.30% | 0.72% | -0.76% | -1.99% | -641 bps | |
| Loan Growth (YoY) | 12.35% | 10.12% | 10.71% | 6.58% | 4.88% | 3.08% | 0.58% | -0.88% | -746 bps | |
| Share Growth (YoY) | 6.51% | 7.95% | 5.63% | 4.06% | 1.87% | 0.02% | -1.28% | -2.72% | -678 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.22% | 0.29% | 0.23% | 0.14% | 0.12% | 0.18% | 0.37% | +14 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 | 0.30% | 0.28% | 0.26% | 0.26% | 0.26% | 0.27% | 0.30% | 0.33% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.57% | 10.52% | 10.82% | 10.98% | 11.07% | 11.14% | 11.57% | 11.71% | +74 bps | |
| Net Worth / Assets | 10.57% | 10.52% | 10.82% | 10.98% | 11.07% | 11.14% | 11.57% | 11.71% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.29% | 58.24% | 60.34% | 59.78% | 58.98% | 60.03% | 61.47% | 60.91% | +113 bps | |
| Liquid Assets / Assets | 14.71% | 16.10% | 15.46% | 16.39% | 17.31% | 16.44% | 16.62% | 22.60% | +620 bps | |