Bedford Park, IL · Charter 81094
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.21% | -3.53% | 0.03% | -1.58% | -2.59% | -0.01% | -0.19% | -10.37% | -879 bps | |
| Return on Equity | -30.05% | -14.17% | 0.13% | -6.52% | -11.01% | -0.02% | -0.80% | -56.54% | -5,002 bps | |
| Net Interest Margin | 4.56% | 4.31% | 3.24% | 3.16% | 3.17% | 2.93% | 2.77% | 1.06% | -210 bps | |
| Efficiency Ratio | 75.13% | 82.19% | 96.67% | 99.68% | 102.20% | 100.20% | 106.78% | 382% | +28,204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.47% | -14.22% | -12.41% | -13.66% | -7.42% | -6.22% | -4.82% | -12.31% | +134 bps | |
| Loan Growth (YoY) | -12.54% | -20.87% | -37.60% | -39.47% | -40.59% | -37.74% | -28.52% | -25.45% | +1,402 bps | |
| Share Growth (YoY) | -15.02% | -14.47% | -12.15% | -12.75% | -6.84% | -4.98% | -2.95% | -7.24% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.71% | 9.56% | 7.67% | 13.36% | 11.55% | 11.95% | 15.29% | 16.47% | +311 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 | 7.31% | 6.09% | 4.21% | 6.93% | 9.31% | 7.47% | 8.24% | 26.41% | +1,948 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.01% | 24.89% | 25.08% | 24.24% | 23.54% | 23.91% | 23.63% | 18.34% | -590 bps | |
| Net Worth / Assets | 24.01% | 24.89% | 25.08% | 24.24% | 23.54% | 23.91% | 23.63% | 18.34% | -590 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.16% | 55.67% | 47.29% | 44.00% | 39.64% | 36.47% | 34.83% | 35.36% | -863 bps | |
| Liquid Assets / Assets | 50.52% | 55.23% | 63.11% | 66.24% | 69.59% | 71.28% | 72.70% | 76.88% | +1,064 bps | |