Chicago, IL · Charter 66022
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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 66022
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -1.55% | -1.32% | -2.25% | -2.47% | -1.73% | -1.63% | -8.38% | -614 bps | |
| Return on Equity | -5.03% | -15.53% | -13.33% | -22.23% | -24.20% | -17.22% | -15.63% | -89.84% | -6,761 bps | |
| Net Interest Margin | 2.50% | 2.23% | 2.02% | 1.04% | 0.94% | 0.93% | 1.09% | 1.76% | +72 bps | |
| Efficiency Ratio | 118.28% | 162.40% | 159.71% | 315% | 280% | 242% | 223% | 577% | +26,130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.72% | -14.04% | -10.41% | -16.70% | -17.91% | -13.59% | -17.66% | -12.56% | +414 bps | |
| Loan Growth (YoY) | -23.74% | -53.28% | -74.64% | -76.04% | -87.72% | -88.22% | -100.00% | -100.00% | -2,396 bps | |
| Share Growth (YoY) | -8.30% | -13.07% | -10.26% | -16.99% | -17.75% | -13.69% | -18.12% | -11.81% | +518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 4.99% | 7.34% | 9.36% | 12.71% | 40.65% | 62.35% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 9.95% | 9.92% | 10.10% | 10.22% | 10.05% | 10.42% | 9.33% | -77 bps | |
| Net Worth / Assets | 10.39% | 9.95% | 9.92% | 10.10% | 10.22% | 10.05% | 10.42% | 9.33% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.15% | 10.69% | 8.48% | 6.73% | 2.26% | 1.46% | 0.00% | 0.00% | -673 bps | |
| Liquid Assets / Assets | 84.80% | 88.74% | 90.77% | 92.42% | 96.40% | 97.17% | 98.50% | 97.81% | +538 bps | |