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Bank One Bloomington-Normal

Bloomington, IL · Cert 10851

FDIC

Q4 1996

$171.3MAssets
$121.8MLoans
$112.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.88%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 107.84% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

0.88%0 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets0.74%0.82%0.87%0.88%0.70%0.81%0.79%0.88%0 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-4.38%-1.74%0.57%3.67%-1.57%-3.95%10.73%2.02%-165 bps
Loan Growth (YoY)4.88%3.12%-1.91%-4.76%0.43%7.43%13.85%16.91%+2,167 bps
Deposit Growth (YoY)-2.97%5.35%9.29%-0.11%-4.21%-10.34%-14.74%-21.55%-2,144 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits79.11%77.09%78.25%72.36%82.95%92.36%104.50%107.84%+3,548 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a