PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

H - F

Flossmoor, IL · Charter 13463

Q4 1996

$7.1MAssets
$4.7MLoans
$6.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.03%, up 79 bps year over year.
  • Asset quality: problem loans at 1.20% of loans (-2 bps YoY).
  • Funding: loans stand at 72.23% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

4.03%+79 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.08%3.24%3.69%3.61%3.81%4.03%+79 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a24.59%26.13%n/a
Loan Growth (YoY)n/an/an/an/a39.32%28.01%n/a
Share Growth (YoY)n/an/an/an/a22.71%23.97%n/a
Asset Quality
Delinquent Loans / Loans1.80%1.22%0.44%1.91%1.61%1.20%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.88%1.04%1.13%1.32%1.57%1.46%+43 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares54.03%69.95%68.40%74.01%61.34%72.23%+228 bps
Liquid Assets / Assets20.65%9.46%25.46%24.44%29.63%17.43%+797 bps