Chicago, IL · Charter 63029
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 63029
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.12% | -4.12% | -11.12% | -5.15% | 19.48% | 10.46% | 7.57% | +1,869 bps | |
| Return on Equity | -3.89% | -1.49% | -42.05% | -294% | -69.44% | 285% | 144.03% | 98.21% | +39,206 bps | |
| Net Interest Margin | 3.05% | 0.92% | 2.63% | 2.96% | 3.02% | 4.22% | 4.80% | 4.81% | +185 bps | |
| Efficiency Ratio | 110.43% | 76.02% | 114.88% | 191.27% | 138.18% | 23.91% | 28.03% | 36.91% | -15,436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 148.99% | 154.95% | -17.70% | -24.30% | -24.17% | -36.43% | -11.97% | -9.95% | +1,435 bps | |
| Loan Growth (YoY) | 19.20% | 18.85% | 2.48% | -22.76% | -47.90% | -56.12% | -60.26% | -59.53% | -3,677 bps | |
| Share Growth (YoY) | 147.95% | 173.91% | -23.79% | -23.77% | -22.98% | -35.51% | -8.64% | -8.21% | +1,556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.00% | 4.88% | 14.44% | 22.51% | 27.11% | 34.70% | 35.25% | 59.34% | +3,683 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 | 2.59% | 5.75% | 6.53% | 7.51% | 12.01% | 15.21% | 24.05% | 27.35% | +1,984 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.23% | 8.22% | 9.79% | 3.78% | 7.42% | 6.83% | 7.26% | 7.71% | +393 bps | |
| Net Worth / Assets | 9.23% | 8.22% | 9.79% | 3.78% | 7.42% | 6.83% | 7.26% | 7.71% | +393 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.47% | 26.03% | 33.86% | 29.71% | 21.96% | 17.71% | 14.73% | 13.10% | -1,661 bps | |
| Liquid Assets / Assets | 70.15% | 76.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |