Chicago, IL · Charter 65969
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 65969
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 2.02% | 0.50% | 1.14% | -0.77% | -0.91% | -1.41% | -1.39% | -252 bps | |
| Return on Equity | n/a | n/a | 3.37% | 7.86% | -5.17% | -6.27% | -9.58% | -9.01% | -1,687 bps | |
| Net Interest Margin | 5.62% | 7.63% | 6.46% | 6.51% | 6.02% | 4.64% | 4.64% | 4.70% | -182 bps | |
| Efficiency Ratio | 99.19% | 73.62% | 92.24% | 82.70% | 97.31% | 119.55% | 130.12% | 129.33% | +4,663 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.33% | 0.30% | 9.59% | 10.63% | 1.01% | -2.86% | -9.89% | -21.28% | -3,190 bps | |
| Loan Growth (YoY) | -10.96% | 19.14% | -8.88% | -17.59% | -22.72% | -48.88% | -44.01% | -35.23% | -1,763 bps | |
| Share Growth (YoY) | -5.09% | 1.39% | 11.55% | 13.17% | 2.85% | -1.41% | -7.78% | -22.19% | -3,536 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.09% | 0.00% | 0.00% | 0.00% | 0.00% | 6.04% | 5.58% | +558 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 | 0.24% | 0.19% | 0.22% | 0.25% | 0.51% | 0.62% | 0.67% | 0.65% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 14.90% | 14.45% | 14.84% | 14.58% | 14.67% | 15.38% | +93 bps | |
| Net Worth / Assets | n/a | n/a | 14.90% | 14.45% | 14.84% | 14.58% | 14.67% | 15.38% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.98% | 45.48% | 37.96% | 30.58% | 28.54% | 23.58% | 23.05% | 25.46% | -512 bps | |
| Liquid Assets / Assets | 61.54% | 55.02% | 66.55% | 71.83% | 73.93% | 77.50% | 78.15% | 76.41% | +458 bps | |