Chicago, IL · Charter 65804
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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 65804
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.39% | 1.48% | 0.43% | 0.42% | 0.17% | -0.20% | -7.69% | -811 bps | |
| Return on Equity | 12.14% | 11.45% | 10.25% | 2.84% | 2.75% | 0.93% | -0.98% | -40.20% | -4,304 bps | |
| Net Interest Margin | 5.61% | 5.79% | 6.69% | 5.89% | 5.61% | 6.34% | 7.09% | 4.65% | -123 bps | |
| Efficiency Ratio | 75.25% | 76.90% | 78.76% | 93.10% | 93.21% | 97.60% | 101.16% | 135.18% | +4,207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | 1.79% | -5.65% | -16.44% | -18.08% | -30.16% | -29.84% | -27.17% | -1,072 bps | |
| Loan Growth (YoY) | 26.84% | 19.24% | 8.32% | 1.07% | -25.01% | -28.08% | -28.67% | -30.18% | -3,125 bps | |
| Share Growth (YoY) | -3.63% | 0.68% | -8.10% | -19.79% | -21.32% | -34.73% | -34.76% | -30.70% | -1,091 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.93% | 0.50% | 1.30% | 0.35% | 0.49% | 1.02% | 1.40% | +10 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 | 3.01% | 2.59% | 2.73% | 3.19% | 2.69% | 2.50% | 2.70% | 1.73% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.82% | 12.16% | 14.49% | 15.01% | 15.31% | 17.85% | 20.45% | 19.12% | +411 bps | |
| Net Worth / Assets | 11.82% | 12.16% | 14.49% | 15.01% | 15.31% | 17.85% | 20.45% | 19.12% | +411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.90% | 73.49% | 82.27% | 77.88% | 71.39% | 80.98% | 89.94% | 78.47% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |