Chicago, IL · Charter 65632
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 65632
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 | -1.26% | -0.11% | -0.39% | -0.03% | -0.90% | -1.01% | -0.92% | -0.90% | -86 bps | |
| Return on Equity | -6.15% | -0.54% | -1.73% | -0.13% | -3.75% | -4.27% | -3.80% | -3.51% | -338 bps | |
| Net Interest Margin | 4.34% | 4.97% | 5.19% | 5.44% | 5.35% | 4.56% | 4.53% | 4.64% | -80 bps | |
| Efficiency Ratio | 117.61% | 101.14% | 100.32% | 95.85% | 112.33% | 121.06% | 119.42% | 118.11% | +2,226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -8.68% | -15.67% | -16.59% | -17.72% | -14.27% | -10.89% | -10.50% | +609 bps | |
| Loan Growth (YoY) | -3.77% | -1.98% | 1.62% | -7.80% | -3.89% | -14.56% | -23.78% | -20.52% | -1,272 bps | |
| Share Growth (YoY) | -5.68% | -9.83% | -18.67% | -20.20% | -21.39% | -16.95% | -12.80% | -11.95% | +825 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.63% | 0.25% | 0.00% | 0.00% | 0.24% | 0.19% | 0.89% | +89 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 | 1.04% | 1.28% | 1.01% | 1.06% | 1.10% | 1.48% | 1.07% | 1.08% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.41% | 21.14% | 22.62% | 23.69% | 23.91% | 23.55% | 24.22% | 25.53% | +185 bps | |
| Net Worth / Assets | 20.41% | 21.14% | 22.62% | 23.69% | 23.91% | 23.55% | 24.22% | 25.53% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.66% | 58.96% | 65.41% | 66.72% | 68.05% | 60.66% | 57.17% | 60.23% | -649 bps | |
| Liquid Assets / Assets | 51.70% | 52.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |