Worth, IL · Charter 65437
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | -0.31% | 0.05% | 0.18% | 0.16% | 0.33% | 0.64% | 0.46% | +28 bps | |
| Return on Equity | -3.02% | -1.82% | 0.31% | 1.00% | 0.87% | 1.78% | 3.35% | 2.16% | +116 bps | |
| Net Interest Margin | 3.10% | 3.12% | 3.48% | 3.80% | 3.83% | 3.94% | 4.43% | 4.71% | +90 bps | |
| Efficiency Ratio | 116.80% | 109.68% | 98.50% | 95.25% | 95.88% | 91.81% | 85.65% | 90.37% | -488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 6.96% | 4.09% | -3.55% | -3.89% | -5.68% | -7.84% | -12.33% | -878 bps | |
| Loan Growth (YoY) | -6.03% | -8.35% | 2.36% | -11.37% | -12.41% | 3.10% | -4.44% | 11.28% | +2,265 bps | |
| Share Growth (YoY) | 4.73% | 8.85% | 5.00% | -4.49% | -4.85% | -7.32% | -10.05% | -15.65% | -1,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.45% | 0.38% | 0.43% | 0.44% | 0.35% | 0.34% | 0.00% | -43 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 | 1.92% | 1.89% | 1.84% | 2.14% | 2.20% | 1.84% | 1.93% | 1.93% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.69% | 17.01% | 17.28% | 18.31% | 18.56% | 18.36% | 19.21% | 21.25% | +294 bps | |
| Net Worth / Assets | 17.69% | 17.01% | 17.28% | 18.31% | 18.56% | 18.36% | 19.21% | 21.25% | +294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.00% | 51.49% | 53.68% | 49.04% | 48.79% | 57.28% | 57.02% | 64.70% | +1,566 bps | |
| Liquid Assets / Assets | 55.56% | 56.23% | 54.68% | 58.84% | 59.31% | 52.23% | 0.00% | 0.00% | -5,884 bps | |