PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank One Merrillville NA

Gary, IN · Cert 13093

FDIC

Q4 1996

$647.1MAssets
$475.0MLoans
$550.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.75%, up 112 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.32% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

2.75%+112 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 Assets1.68%1.64%1.60%1.63%1.32%1.07%1.27%2.75%+112 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)9.91%5.68%7.68%-8.80%-7.09%-4.66%-6.28%0.34%+914 bps
Loan Growth (YoY)20.94%14.66%20.44%-12.75%-12.62%-2.90%-7.70%-8.59%+416 bps
Deposit Growth (YoY)4.48%9.38%7.85%10.43%11.53%1.44%1.86%-0.90%-1,134 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 / Deposits118.99%103.76%108.01%93.59%93.22%99.31%97.87%86.32%-726 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