North Chicago, IL · Charter 64738
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.16% | -2.27% | -1015% | -5366% | 0.00% | -78.40% | -374000% | -37,298,455 bps | |
| Return on Equity | 3.16% | 1.09% | -15.52% | -1015% | -7467% | 0.00% | -79.85% | n/a | n/a | |
| Net Interest Margin | 2.43% | 2.24% | 1.72% | -858% | -682% | 0.00% | 1.00% | -1400% | -54,175 bps | |
| Efficiency Ratio | 80.04% | 92.76% | 232% | n/a | n/a | n/a | 7950% | 93600% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.88% | -9.08% | -9.98% | -97.30% | -97.74% | -97.79% | -98.32% | -99.96% | -266 bps | |
| Loan Growth (YoY) | -50.49% | -52.47% | -77.60% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Share Growth (YoY) | -9.19% | -9.82% | -10.29% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| 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 | 19.90% | 23.00% | 44.05% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 15.39% | 14.82% | 14.65% | 100.00% | 71.86% | 86.37% | 98.19% | 0.00% | -10,000 bps | |
| Net Worth / Assets | 15.39% | 14.82% | 14.65% | 100.00% | 71.86% | 86.37% | 98.19% | 0.00% | -10,000 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 6.52% | 5.83% | 3.12% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 26.67% | 93.29% | 96.24% | 60.30% | 52.38% | 100.00% | 99.31% | 0.00% | -6,030 bps | |