Chicago, IL · Charter 95808
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 95808
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -1.61% | -0.42% | 0.35% | -1.42% | 0.95% | -0.21% | -3.78% | -413 bps | |
| Return on Equity | -4.95% | -17.35% | -4.59% | 3.57% | -16.69% | 11.77% | -2.69% | -64.03% | -6,759 bps | |
| Net Interest Margin | 7.11% | 6.92% | 6.81% | 6.64% | 6.83% | 5.96% | 5.70% | 6.09% | -55 bps | |
| Efficiency Ratio | 75.46% | 88.41% | 72.29% | 70.65% | 72.53% | 70.13% | 71.97% | 86.01% | +1,537 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.98% | -0.41% | 4.76% | 4.41% | 1.82% | 5.53% | 0.47% | -7.05% | -1,146 bps | |
| Loan Growth (YoY) | -5.00% | -6.65% | -10.45% | -8.03% | -13.54% | -18.31% | -18.48% | -22.34% | -1,431 bps | |
| Share Growth (YoY) | -3.90% | 0.69% | 4.59% | 4.13% | 3.63% | 6.90% | 1.87% | -3.10% | -723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.54% | 10.05% | 12.19% | 10.68% | 6.92% | 7.06% | 8.06% | 14.77% | +409 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 | 4.40% | 5.39% | 4.57% | 4.30% | 3.77% | 5.04% | 4.63% | 9.27% | +496 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.10% | 9.27% | 9.13% | 9.74% | 8.50% | 8.09% | 7.86% | 5.91% | -384 bps | |
| Net Worth / Assets | 10.10% | 9.27% | 9.13% | 9.74% | 8.50% | 8.09% | 7.86% | 5.91% | -384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.02% | 79.60% | 71.61% | 74.08% | 69.27% | 60.83% | 57.31% | 59.37% | -1,471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |