East Chicago, IN · Charter 10899
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.33% | 3.86% | 4.27% | 4.05% | 3.23% | 3.61% | 3.39% | -16.95% | -2,101 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -17.08% | -29.64% | -31.91% | -43.07% | -53.93% | -3,684 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 9.23% | 3.63% | -18.24% | -37.21% | -35.82% | -4,505 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -23.82% | -37.98% | -40.92% | -55.45% | -64.64% | -4,081 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 5.28% | 2.32% | 4.74% | 5.45% | 4.71% | 12.17% | 69.14% | +6,440 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 | 1.70% | 0.62% | 1.29% | 0.58% | 3.23% | 2.50% | 3.03% | 17.32% | +1,673 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.89% | 49.54% | 58.08% | 55.78% | 80.02% | 68.56% | 81.86% | 101.23% | +4,545 bps | |
| Liquid Assets / Assets | 55.28% | 51.74% | 53.53% | 50.45% | 44.28% | 48.05% | 20.50% | 23.82% | -2,662 bps | |