Chicago, IL · Charter 65395
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.
Chicago, IL · Charter 65395
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 | 0.00% | 0.08% | -0.18% | -0.13% | -0.16% | 0.19% | -0.11% | -1.18% | -105 bps | |
| Return on Equity | 0.00% | 0.48% | -1.12% | -0.79% | -0.94% | 1.19% | -0.67% | -6.97% | -618 bps | |
| Net Interest Margin | 5.35% | 4.69% | 4.69% | 5.00% | 5.35% | 4.75% | 5.19% | 5.54% | +54 bps | |
| Efficiency Ratio | 91.05% | 95.74% | 93.19% | 91.63% | 92.31% | 96.49% | 96.74% | 99.93% | +830 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.80% | -0.44% | -3.37% | -4.45% | -1.43% | 0.59% | -6.97% | -7.52% | -307 bps | |
| Loan Growth (YoY) | 2.66% | -3.00% | 0.91% | 4.76% | 1.78% | 2.55% | -0.11% | -6.27% | -1,103 bps | |
| Share Growth (YoY) | -8.08% | -0.85% | -4.05% | -5.23% | -1.48% | 0.97% | -8.09% | -7.92% | -269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.41% | 22.64% | 1.12% | 1.24% | 1.16% | 1.61% | 0.18% | -95 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 | 1.48% | 1.46% | 1.34% | 1.63% | 1.70% | 1.84% | 1.69% | 1.62% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.52% | 15.92% | 15.84% | 16.53% | 17.48% | 15.60% | 16.79% | 16.91% | +38 bps | |
| Net Worth / Assets | 17.52% | 15.92% | 15.84% | 16.53% | 17.48% | 15.60% | 16.79% | 16.91% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.72% | 48.95% | 52.15% | 56.71% | 59.62% | 49.71% | 56.67% | 57.72% | +102 bps | |
| Liquid Assets / Assets | 17.39% | 30.65% | 26.99% | 18.56% | 16.95% | 21.37% | 12.80% | 16.20% | -236 bps | |