Kankakee, IL · Charter 63285
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Kankakee, IL · Charter 63285
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | -0.29% | -0.10% | 0.12% | 0.24% | 0.69% | 0.64% | 0.75% | +64 bps | |
| Return on Equity | 2.42% | -1.77% | -0.64% | 0.68% | 1.36% | 3.79% | 3.38% | 3.92% | +324 bps | |
| Net Interest Margin | 1.99% | 1.29% | 1.45% | 1.80% | 1.93% | 2.26% | 2.40% | 2.44% | +64 bps | |
| Efficiency Ratio | 79.39% | 122.31% | 107.10% | 93.52% | 87.60% | 69.85% | 73.24% | 69.25% | -2,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | 2.83% | 6.80% | 3.55% | -1.72% | -7.66% | -11.75% | -7.33% | -1,088 bps | |
| Loan Growth (YoY) | -20.11% | -17.67% | 1.40% | 14.93% | -6.53% | -16.48% | -26.90% | -16.44% | -3,137 bps | |
| Share Growth (YoY) | -0.42% | 3.36% | 8.19% | 4.22% | -2.39% | -9.67% | -14.72% | -9.70% | -1,393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.87% | 11.02% | 10.02% | 3.06% | 10.66% | 9.23% | 2.13% | 9.47% | +641 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 | 3.73% | 6.77% | 6.75% | 6.84% | 2.66% | 3.37% | 3.76% | 3.20% | -363 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.05% | 16.34% | 16.22% | 17.13% | 17.59% | 18.20% | 19.01% | 19.21% | +208 bps | |
| Net Worth / Assets | 17.05% | 16.34% | 16.22% | 17.13% | 17.59% | 18.20% | 19.01% | 19.21% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.66% | 33.34% | 34.33% | 37.50% | 34.15% | 30.83% | 29.42% | 34.70% | -280 bps | |
| Liquid Assets / Assets | 69.73% | 60.05% | 29.25% | 33.74% | 71.19% | 74.74% | 75.56% | 54.06% | +2,033 bps | |