Chicago, IL · Charter 65939
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 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 65939
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.38% | 0.22% | 1.80% | 0.96% | 0.60% | 0.16% | -59.34% | -6,114 bps | |
| Return on Equity | 1.37% | 1.88% | 0.99% | 8.10% | 4.32% | 2.61% | 0.65% | -606% | -61,404 bps | |
| Net Interest Margin | 5.39% | 5.89% | 6.33% | 6.20% | 6.00% | 6.47% | 6.79% | -19.49% | -2,569 bps | |
| Efficiency Ratio | 86.76% | 81.59% | 87.31% | 72.00% | 72.76% | 75.32% | 75.86% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.01% | -10.00% | -12.41% | -12.62% | -11.49% | -10.72% | -8.28% | -11.13% | +149 bps | |
| Loan Growth (YoY) | 13.35% | 10.39% | 4.86% | 5.78% | 9.84% | 4.87% | 0.05% | -6.10% | -1,188 bps | |
| Share Growth (YoY) | -10.15% | -12.07% | -15.62% | -15.70% | -14.90% | -13.26% | -10.86% | 0.13% | +1,582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 1.85% | 1.34% | 0.39% | 0.42% | 0.28% | 0.95% | 0.00% | -39 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 | 0.93% | 1.25% | 0.86% | 0.85% | 1.24% | 1.59% | 1.29% | 1.11% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.12% | 20.33% | 22.25% | 22.19% | 22.15% | 23.12% | 24.42% | 9.79% | -1,240 bps | |
| Net Worth / Assets | 19.12% | 20.33% | 22.25% | 22.19% | 22.15% | 23.12% | 24.42% | 9.79% | -1,240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.03% | 96.84% | 110.79% | 104.34% | 113.63% | 117.08% | 124.35% | 97.85% | -649 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |