Waukegan, IL · Charter 81400
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Waukegan, IL · Charter 81400
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | -2.70% | -1.79% | -1.49% | -2.19% | -0.54% | 0.20% | 0.60% | +209 bps | |
| Return on Equity | -10.32% | -22.61% | -15.25% | -12.28% | -19.16% | -4.65% | 1.63% | 4.66% | +1,694 bps | |
| Net Interest Margin | 4.35% | 4.01% | 4.30% | 4.59% | 4.79% | 4.90% | 5.02% | 5.26% | +67 bps | |
| Efficiency Ratio | 95.55% | 100.02% | 92.35% | 89.85% | 92.23% | 77.33% | 80.81% | 80.15% | -970 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | -13.19% | -10.17% | -17.10% | -16.85% | -9.43% | -11.95% | -10.80% | +630 bps | |
| Loan Growth (YoY) | -10.00% | -3.01% | -8.29% | -2.28% | 10.71% | 4.19% | 11.35% | 5.12% | +740 bps | |
| Share Growth (YoY) | 0.80% | -11.72% | -8.31% | -17.36% | -17.14% | -9.11% | -11.38% | -11.50% | +586 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.30% | 4.61% | 4.23% | 2.96% | 1.58% | 1.71% | 0.56% | 1.89% | -107 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 | 1.55% | 1.46% | 1.86% | 2.32% | 1.29% | 3.23% | 3.09% | 1.82% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.35% | 11.95% | 11.73% | 12.14% | 11.44% | 11.56% | 12.13% | 12.93% | +79 bps | |
| Net Worth / Assets | 11.35% | 11.95% | 11.73% | 12.14% | 11.44% | 11.56% | 12.13% | 12.93% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.59% | 85.39% | 83.33% | 89.86% | 95.66% | 97.88% | 104.71% | 106.74% | +1,688 bps | |
| Liquid Assets / Assets | 27.62% | 21.34% | 20.64% | 19.78% | 13.22% | 12.87% | 6.74% | 5.82% | -1,397 bps | |