Chicago, IL · Charter 61842
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.08% | 0.14% | 0.13% | 0.18% | 0.32% | 0.35% | 0.10% | -2 bps | |
| Return on Equity | 0.70% | 0.59% | 0.99% | 0.88% | 1.17% | 2.00% | 2.28% | 0.71% | -17 bps | |
| Net Interest Margin | 1.20% | 1.19% | 1.52% | 1.35% | 1.41% | 1.63% | 1.80% | 1.44% | +9 bps | |
| Efficiency Ratio | 92.79% | 93.99% | 91.56% | 91.79% | 89.15% | 82.70% | 82.83% | 93.71% | +192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.55% | -6.12% | -10.48% | -3.50% | -4.07% | -9.95% | -2.71% | 0.17% | +368 bps | |
| Loan Growth (YoY) | 16.00% | 35.54% | 36.27% | 28.53% | 64.75% | 39.06% | 11.95% | 6.10% | -2,243 bps | |
| Share Growth (YoY) | -14.62% | -7.42% | -12.14% | -4.13% | -4.52% | -11.51% | -3.24% | -0.67% | +346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.22% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.72% | +72 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 | 3.40% | 2.90% | 2.95% | 2.78% | 2.25% | 2.37% | 2.98% | 3.10% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.25% | 14.09% | 14.52% | 14.38% | 15.00% | 15.96% | 15.27% | 14.63% | +26 bps | |
| Net Worth / Assets | 14.25% | 14.09% | 14.52% | 14.38% | 15.00% | 15.96% | 15.27% | 14.63% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.75% | 17.44% | 18.18% | 18.31% | 25.45% | 27.40% | 21.04% | 19.56% | +125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |