Chicago, IL · Charter 65890
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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 65890
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.45% | 1.39% | 1.56% | 0.61% | -1.34% | 0.71% | -2.67% | -422 bps | |
| Return on Equity | 2.29% | 1.74% | 4.63% | 4.25% | 1.53% | -3.46% | 1.73% | -5.46% | -971 bps | |
| Net Interest Margin | 3.81% | 3.72% | 4.55% | 5.44% | 4.55% | 4.83% | 7.55% | 8.90% | +346 bps | |
| Efficiency Ratio | 71.88% | 66.91% | 62.16% | 63.09% | 86.67% | 76.60% | 50.75% | 62.77% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.34% | 3.34% | -9.49% | -26.73% | -30.81% | -31.97% | -25.22% | -28.91% | -218 bps | |
| Loan Growth (YoY) | -17.54% | 2.76% | 2.55% | 18.85% | 21.98% | 4.14% | -5.03% | -26.25% | -4,509 bps | |
| Share Growth (YoY) | 7.23% | 3.87% | -14.44% | -37.79% | -44.05% | -44.37% | -37.02% | -42.30% | -451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.98% | 0.60% | 0.45% | 2.16% | 6.20% | 6.14% | 9.17% | +871 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 | 0.60% | 1.01% | 0.71% | 0.80% | 0.88% | 2.32% | 3.79% | 5.93% | +513 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.46% | 25.83% | 30.13% | 36.62% | 39.87% | 38.64% | 41.15% | 48.85% | +1,223 bps | |
| Net Worth / Assets | 26.46% | 25.83% | 30.13% | 36.62% | 39.87% | 38.64% | 41.15% | 48.85% | +1,223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.03% | 77.09% | 90.56% | 139.05% | 146.15% | 144.33% | 136.55% | 177.75% | +3,870 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |