Worth, IL · Charter 63284
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 | 0.54% | 0.09% | -0.02% | -0.41% | -0.58% | 0.14% | -0.52% | -1.16% | -75 bps | |
| Return on Equity | 3.80% | 0.68% | -0.14% | -2.69% | -4.62% | 0.91% | -3.29% | -6.74% | -405 bps | |
| Net Interest Margin | 2.51% | 2.17% | 2.02% | 1.99% | 2.27% | 2.92% | 2.34% | 2.50% | +51 bps | |
| Efficiency Ratio | 78.64% | 95.93% | 100.92% | 119.50% | 122.16% | 95.42% | 120.34% | 144.04% | +2,454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 3.50% | 4.07% | -0.65% | -2.99% | -6.91% | -11.16% | -17.60% | -1,695 bps | |
| Loan Growth (YoY) | -19.05% | -14.56% | -27.38% | -24.37% | -34.50% | -40.76% | -35.05% | -42.17% | -1,780 bps | |
| Share Growth (YoY) | 5.35% | 4.78% | 4.72% | -1.46% | -3.85% | -8.48% | -12.17% | -19.60% | -1,815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.97% | 7.60% | 3.69% | 14.92% | 16.81% | 26.03% | 0.00% | 0.00% | -1,492 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 | 17.40% | 18.31% | 19.52% | 20.17% | 24.83% | 28.89% | 30.04% | 34.88% | +1,471 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.11% | 13.82% | 14.61% | 15.08% | 12.48% | 15.49% | 15.64% | 17.15% | +207 bps | |
| Net Worth / Assets | 14.11% | 13.82% | 14.61% | 15.08% | 12.48% | 15.49% | 15.64% | 17.15% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.28% | 31.15% | 27.32% | 28.12% | 22.68% | 20.17% | 20.20% | 20.23% | -789 bps | |
| Liquid Assets / Assets | 58.38% | 45.30% | 79.15% | 78.57% | 82.96% | 85.58% | 40.69% | 32.94% | -4,563 bps | |