Downers Grove, IL · Charter 64321
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 | -3.95% | -0.67% | -0.30% | -0.70% | -0.35% | -0.66% | -16.55% | -11.17% | -1,046 bps | |
| Return on Equity | -25.79% | -4.43% | -1.99% | -4.68% | -2.31% | -4.22% | -184.55% | -125.70% | -12,103 bps | |
| Net Interest Margin | 5.29% | 4.99% | 5.21% | 5.05% | 5.43% | 5.49% | 6.52% | 6.31% | +126 bps | |
| Efficiency Ratio | 106.26% | 113.44% | 105.79% | 113.91% | 106.52% | 111.97% | 100.77% | 102.46% | -1,145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.66% | -4.52% | -2.18% | -4.09% | -2.55% | -4.99% | -12.95% | -11.72% | -763 bps | |
| Loan Growth (YoY) | -25.82% | -20.03% | -23.89% | -23.49% | -8.52% | -1.17% | 20.43% | 18.77% | +4,227 bps | |
| Share Growth (YoY) | -6.43% | -0.96% | 2.28% | 0.26% | -2.61% | -5.51% | -6.56% | -5.31% | -557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.64% | 4.28% | 3.94% | 6.07% | 4.15% | 4.90% | 2.35% | 10.38% | +432 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 | 4.24% | 4.25% | 4.25% | 3.94% | 3.13% | 2.90% | 6.93% | 7.20% | +326 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.32% | 15.20% | 15.21% | 15.06% | 15.37% | 15.64% | 8.97% | 8.88% | -618 bps | |
| Net Worth / Assets | 15.32% | 15.20% | 15.21% | 15.06% | 15.37% | 15.64% | 8.97% | 8.88% | -618 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.90% | 77.82% | 73.27% | 72.46% | 73.17% | 81.39% | 94.43% | 90.89% | +1,843 bps | |
| Liquid Assets / Assets | 34.93% | 34.38% | 38.27% | 38.79% | 38.23% | 30.96% | 17.68% | 21.03% | -1,776 bps | |