Niles, IL · Charter 65829
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 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.
Niles, IL · Charter 65829
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.11% | -1.78% | -1.17% | -13.43% | -34.40% | -40.76% | -545% | -54,411 bps | |
| Return on Equity | -0.41% | -0.29% | -1.78% | -1.17% | -13.43% | -34.40% | -40.76% | -545% | -54,411 bps | |
| Net Interest Margin | 2.90% | 2.92% | 3.32% | 2.50% | 27.25% | 24.95% | 0.00% | 0.00% | -250 bps | |
| Efficiency Ratio | 105.26% | 103.64% | 153.66% | 144.26% | 149.28% | 238% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.01% | -22.64% | -64.44% | -63.13% | -97.65% | -98.08% | -95.35% | -99.52% | -3,639 bps | |
| Loan Growth (YoY) | -85.29% | -86.61% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | |
| Share Growth (YoY) | -43.60% | -32.69% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| 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 | 1.88% | 4.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 37.40% | 37.32% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Net Worth / Assets | 37.40% | 37.32% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.99% | 11.93% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 81.19% | 90.88% | 96.66% | 96.65% | 46.63% | 0.00% | 0.00% | 0.00% | -9,665 bps | |