Chicago, IL · Charter 64637
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 | -0.79% | 0.18% | 0.25% | 0.34% | 0.28% | -1.60% | -0.70% | -0.48% | -82 bps | |
| Return on Equity | -5.28% | 1.10% | 1.47% | 1.91% | 1.54% | -8.79% | -3.75% | -2.46% | -437 bps | |
| Net Interest Margin | 4.49% | 4.67% | 4.87% | 5.16% | 5.27% | 5.59% | 5.48% | 5.70% | +54 bps | |
| Efficiency Ratio | 77.59% | 84.16% | 82.69% | 81.98% | 81.17% | 98.62% | 89.93% | 85.99% | +402 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.44% | -5.12% | -11.06% | -13.47% | -15.34% | -12.16% | -10.35% | -11.10% | +237 bps | |
| Loan Growth (YoY) | 7.86% | 2.95% | -1.84% | -9.03% | -12.63% | -15.21% | -15.61% | -9.77% | -74 bps | |
| Share Growth (YoY) | -3.89% | -2.66% | -12.12% | -14.37% | -10.32% | -14.44% | -12.35% | -13.08% | +129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.42% | 1.77% | 1.53% | 2.05% | 3.39% | 3.15% | 4.83% | 4.41% | +236 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 | 2.10% | 2.43% | 1.83% | 2.15% | 2.12% | 2.58% | 2.59% | 2.50% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.04% | 16.08% | 16.78% | 17.71% | 18.11% | 18.21% | 18.59% | 19.59% | +187 bps | |
| Net Worth / Assets | 15.04% | 16.08% | 16.78% | 17.71% | 18.11% | 18.21% | 18.59% | 19.59% | +187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.49% | 96.69% | 98.95% | 100.69% | 99.85% | 95.82% | 95.27% | 104.53% | +384 bps | |
| Liquid Assets / Assets | 16.55% | 16.87% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |