Des Plaines, IL · Charter 65761
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Des Plaines, IL · Charter 65761
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 | -0.18% | 0.21% | 0.23% | 0.26% | 0.40% | 0.52% | 0.90% | 0.83% | +57 bps | |
| Return on Equity | -1.35% | 1.61% | 1.78% | 1.95% | 2.72% | 3.74% | 6.04% | 5.35% | +340 bps | |
| Net Interest Margin | 3.13% | 3.20% | 3.34% | 3.64% | 4.01% | 4.31% | 4.73% | 4.98% | +134 bps | |
| Efficiency Ratio | 95.75% | 87.25% | 80.86% | 80.39% | 78.38% | 66.20% | 68.61% | 75.40% | -499 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.08% | -1.53% | -2.70% | -3.51% | -6.79% | -1.63% | -7.43% | -8.86% | -535 bps | |
| Loan Growth (YoY) | -4.48% | -4.74% | 0.65% | 12.99% | 4.25% | 5.88% | 2.81% | -8.73% | -2,172 bps | |
| Share Growth (YoY) | 0.45% | -1.46% | -2.97% | -3.97% | -8.21% | -2.39% | -9.31% | -11.08% | -712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.46% | 2.67% | 2.14% | 0.89% | 0.26% | 1.20% | 0.85% | 0.24% | -66 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 | 2.57% | 2.47% | 2.45% | 1.61% | 1.63% | 2.68% | 2.94% | 3.50% | +189 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.21% | 13.16% | 13.11% | 13.42% | 14.57% | 13.83% | 14.87% | 15.54% | +212 bps | |
| Net Worth / Assets | 13.21% | 13.16% | 13.11% | 13.42% | 14.57% | 13.83% | 14.87% | 15.54% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.47% | 34.74% | 36.20% | 40.46% | 41.42% | 37.68% | 41.04% | 41.53% | +107 bps | |
| Liquid Assets / Assets | 64.54% | 66.31% | 64.69% | 60.99% | 56.40% | 58.86% | 0.00% | 0.00% | -6,099 bps | |