Chicago, IL · Charter 96073
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 96073
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.98% | 0.05% | 0.04% | -1.41% | -0.28% | -0.25% | -0.08% | -3.89% | -248 bps | |
| Return on Equity | n/a | n/a | n/a | -15.24% | -2.78% | -2.27% | -0.80% | -48.48% | -3,324 bps | |
| Net Interest Margin | n/a | 3.79% | 4.44% | 4.76% | 5.23% | 5.59% | 4.47% | 4.60% | -16 bps | |
| Efficiency Ratio | n/a | 97.13% | 98.42% | 100.41% | 91.63% | 87.62% | 86.94% | 125.11% | +2,470 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.84% | 44.25% | 48.28% | 29.92% | 6.71% | -28.74% | -26.41% | -18.57% | -4,849 bps | |
| Loan Growth (YoY) | 87.35% | 105.87% | 105.13% | 63.59% | 8.33% | -21.70% | -34.19% | -38.70% | -10,229 bps | |
| Share Growth (YoY) | -2.72% | 47.01% | 44.66% | 32.64% | 13.21% | -30.50% | -24.43% | -18.19% | -5,082 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.00% | 1.12% | 1.34% | 1.88% | 1.53% | 1.91% | 0.00% | -134 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 | 1.81% | 1.35% | 0.83% | 1.50% | 1.86% | 2.24% | 2.33% | 1.27% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.23% | 9.96% | 10.84% | 10.38% | 8.01% | -122 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 9.23% | 9.96% | 10.84% | 10.38% | 8.01% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.78% | 71.54% | 78.35% | 84.98% | 81.12% | 80.60% | 68.24% | 63.67% | -2,131 bps | |
| Liquid Assets / Assets | 11.77% | 9.97% | 8.11% | 7.23% | 14.49% | 18.92% | 22.28% | 40.57% | +3,335 bps | |