Chicago, IL · Charter 81714
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 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 81714
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.47% | 0.50% | 0.14% | 0.09% | 0.47% | 0.60% | 0.61% | +47 bps | |
| Return on Equity | 2.14% | 4.96% | 5.04% | 1.36% | 0.89% | 4.60% | 5.44% | 5.10% | +374 bps | |
| Net Interest Margin | 5.03% | 5.28% | 5.32% | 5.42% | 5.08% | 5.34% | 5.59% | 5.88% | +45 bps | |
| Efficiency Ratio | 88.15% | 81.64% | 81.59% | 82.39% | 92.41% | 86.60% | 83.43% | 83.28% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 1.29% | -0.42% | -0.36% | -5.99% | -5.54% | -7.93% | -11.84% | -1,148 bps | |
| Loan Growth (YoY) | -6.51% | 1.34% | 8.67% | 10.97% | 6.16% | 8.52% | 4.63% | 1.24% | -972 bps | |
| Share Growth (YoY) | 4.81% | 1.32% | -2.18% | -0.58% | -6.57% | -7.89% | -7.73% | -13.39% | -1,281 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 2.55% | 2.73% | 2.78% | 3.07% | 3.06% | 2.74% | 3.88% | +110 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 | 2.34% | 2.51% | 2.48% | 2.71% | 2.75% | 2.62% | 2.56% | 2.30% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.28% | 9.57% | 9.94% | 9.99% | 9.98% | 10.26% | 10.98% | 11.94% | +195 bps | |
| Net Worth / Assets | 9.28% | 9.57% | 9.94% | 9.99% | 9.98% | 10.26% | 10.98% | 11.94% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.42% | 49.12% | 53.12% | 55.41% | 53.88% | 57.87% | 60.24% | 64.77% | +936 bps | |
| Liquid Assets / Assets | 19.95% | 11.51% | 18.98% | 17.14% | 21.88% | 21.93% | 23.57% | 17.20% | +6 bps | |