Franklin Park, IL · Charter 81711
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Franklin Park, IL · Charter 81711
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -1.38% | -0.86% | -0.70% | -0.27% | -1.26% | -2.45% | -1.00% | -29 bps | |
| Return on Equity | -1.45% | -6.45% | -4.04% | -3.42% | -1.30% | -6.24% | -11.71% | -4.74% | -132 bps | |
| Net Interest Margin | 4.61% | 4.85% | 4.79% | 4.06% | 4.02% | 4.02% | 3.98% | 4.16% | +10 bps | |
| Efficiency Ratio | 104.67% | 100.74% | 117.23% | 114.85% | 105.77% | 108.33% | 156.97% | 121.47% | +662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | 5.27% | 2.57% | -0.66% | -0.59% | -0.30% | -6.34% | -7.89% | -723 bps | |
| Loan Growth (YoY) | -12.50% | -23.30% | -27.62% | -22.22% | -23.14% | -10.52% | -9.97% | -15.29% | +694 bps | |
| Share Growth (YoY) | 13.32% | 9.29% | 4.52% | 0.60% | 0.97% | 1.15% | -5.97% | -8.23% | -882 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.46% | 0.23% | 1.39% | 2.92% | 3.10% | 2.99% | 3.29% | 0.50% | -242 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 | 1.17% | 0.50% | 0.50% | 0.65% | 0.71% | 2.79% | 3.07% | 0.57% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.74% | 21.45% | 21.21% | 20.63% | 20.57% | 20.25% | 20.92% | 21.08% | +46 bps | |
| Net Worth / Assets | 21.74% | 21.45% | 21.21% | 20.63% | 20.57% | 20.25% | 20.92% | 21.08% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.29% | 59.34% | 53.35% | 54.41% | 48.94% | 52.49% | 51.08% | 50.22% | -419 bps | |
| Liquid Assets / Assets | 48.81% | 52.16% | 56.35% | 55.52% | 59.84% | 57.85% | 59.33% | 59.10% | +358 bps | |