Oak Forest, IL · Charter 65692
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Oak Forest, IL · Charter 65692
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 3.42% | 0.32% | 0.88% | 3.89% | -8.56% | -4.90% | -1.96% | -284 bps | |
| Return on Equity | 8.26% | 31.49% | 3.09% | 8.16% | 27.98% | -74.47% | -46.47% | -17.22% | -2,538 bps | |
| Net Interest Margin | 3.30% | 5.50% | 3.62% | 3.89% | 4.25% | 4.35% | 4.27% | 4.87% | +98 bps | |
| Efficiency Ratio | 71.64% | 43.33% | 81.59% | 72.02% | 40.00% | 23.05% | 48.73% | 47.55% | -2,448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.40% | 17.29% | 6.47% | 3.32% | 1.84% | 1.91% | 8.41% | 9.97% | +665 bps | |
| Loan Growth (YoY) | 7.67% | 7.69% | 21.74% | 18.41% | 16.14% | 11.05% | 4.45% | 24.10% | +569 bps | |
| Share Growth (YoY) | 47.53% | 17.16% | 6.37% | 2.41% | -2.37% | 0.62% | 8.12% | 9.61% | +721 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.26% | 8.43% | 2.31% | 11.94% | 5.73% | 6.09% | 6.49% | 1.07% | -1,087 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 | 3.67% | 3.52% | 1.76% | 1.77% | 0.53% | 5.83% | 4.37% | 3.71% | +194 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.21% | 10.86% | 10.30% | 10.83% | 13.91% | 11.50% | 10.54% | 11.37% | +54 bps | |
| Net Worth / Assets | 10.21% | 10.86% | 10.30% | 10.83% | 13.91% | 11.50% | 10.54% | 11.37% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.81% | 67.68% | 79.80% | 80.45% | 78.28% | 74.70% | 77.08% | 91.08% | +1,063 bps | |
| Liquid Assets / Assets | 41.26% | 40.47% | 27.25% | 28.55% | 31.41% | 22.96% | 31.89% | 20.61% | -793 bps | |