Chicago, IL · Charter 95051
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 95051
Q1 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -3.65% | -1.42% | 1.38% | 1.37% | 1.92% | -5.37% | -16.30% | -1,768 bps | |
| Return on Equity | n/a | -32.22% | -13.29% | 9.81% | 8.81% | 11.37% | -49.16% | -193.71% | -20,352 bps | |
| Net Interest Margin | 10.63% | 10.70% | 9.24% | 11.20% | 11.11% | 11.55% | 10.24% | 10.76% | -44 bps | |
| Efficiency Ratio | 105.90% | 114.77% | 114.97% | 87.98% | 87.96% | 83.90% | 99.18% | 260% | +17,156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.76% | -32.34% | -30.25% | -18.64% | -22.01% | -18.42% | -23.27% | -26.52% | -788 bps | |
| Loan Growth (YoY) | -19.37% | -13.44% | -10.25% | -7.86% | -23.00% | -30.65% | -30.98% | -35.06% | -2,720 bps | |
| Share Growth (YoY) | -19.38% | -24.40% | -22.45% | -19.54% | -23.06% | -24.25% | -21.86% | -22.92% | -337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 15.50% | 18.33% | 13.81% | 19.22% | 18.26% | 19.23% | 16.93% | +312 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 | 9.97% | 8.68% | 9.01% | 6.40% | 7.89% | 8.13% | 13.62% | 11.30% | +490 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 11.31% | 10.65% | 14.05% | 15.55% | 16.86% | 10.93% | 8.41% | -563 bps | |
| Net Worth / Assets | n/a | 11.31% | 10.65% | 14.05% | 15.55% | 16.86% | 10.93% | 8.41% | -563 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.45% | 89.20% | 91.18% | 85.01% | 79.51% | 81.67% | 80.54% | 71.62% | -1,339 bps | |
| Liquid Assets / Assets | 0.00% | 25.47% | 25.95% | 28.80% | 35.70% | 35.39% | 36.35% | 41.26% | +1,246 bps | |