Chicago, IL · Charter 62680
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.
Chicago, IL · Charter 62680
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 | -1.87% | -0.25% | -0.96% | -0.52% | -0.13% | 2.48% | -11.43% | -8.34% | -783 bps | |
| Return on Equity | -12.81% | -1.61% | -6.34% | -3.19% | -0.70% | 13.02% | -73.09% | -42.73% | -3,953 bps | |
| Net Interest Margin | 5.35% | 5.45% | 5.19% | 5.50% | 5.85% | 2.48% | 4.13% | 4.19% | -132 bps | |
| Efficiency Ratio | 125.74% | 104.30% | 117.50% | 108.87% | 102.07% | 0.00% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.15% | -11.87% | -10.69% | -16.49% | -22.18% | -17.75% | -28.44% | -37.13% | -2,064 bps | |
| Loan Growth (YoY) | 25.07% | 16.96% | 4.11% | 4.64% | -3.42% | -11.45% | 2.51% | -8.98% | -1,361 bps | |
| Share Growth (YoY) | -18.43% | -20.86% | -18.62% | -20.38% | -23.00% | -14.86% | -39.05% | -39.88% | -1,950 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.81% | 1.79% | 14.24% | 27.18% | 20.70% | 49.26% | 48.29% | 48.85% | +2,167 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 | 1.77% | 1.90% | 2.15% | 2.14% | 2.17% | 2.53% | 2.37% | 2.55% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.57% | 15.24% | 15.17% | 16.23% | 18.51% | 19.07% | 15.64% | 19.53% | +330 bps | |
| Net Worth / Assets | 14.57% | 15.24% | 15.17% | 16.23% | 18.51% | 19.07% | 15.64% | 19.53% | +330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.05% | 45.67% | 44.09% | 51.05% | 53.99% | 47.50% | 74.15% | 77.28% | +2,623 bps | |
| Liquid Assets / Assets | 1.57% | 3.38% | 11.81% | 58.93% | 2.13% | 8.36% | 0.00% | 0.00% | -5,893 bps | |