Lasalle, IL · Charter 13555
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.30% | 4.85% | 4.52% | 4.83% | 4.83% | 4.55% | 3.61% | 3.65% | -118 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 | -2.62% | -0.46% | 2.94% | 5.20% | 6.33% | 6.00% | 6.10% | +316 bps | |
| Loan Growth (YoY) | n/a | 34.95% | -5.17% | -7.41% | -23.48% | -16.29% | -9.13% | -21.75% | -1,434 bps | |
| Share Growth (YoY) | n/a | -3.48% | -1.16% | 2.63% | 4.75% | 6.20% | 6.53% | 7.38% | +475 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.05% | 18.58% | 16.56% | 22.99% | 24.47% | 20.13% | 7.89% | 11.03% | -1,196 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 | 8.32% | 9.75% | 10.44% | 10.46% | 10.83% | 11.27% | 4.54% | 5.28% | -518 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 | 66.00% | 59.10% | 59.84% | 60.74% | 48.22% | 46.59% | 51.04% | 44.27% | -1,648 bps | |
| Liquid Assets / Assets | 32.83% | 24.28% | 24.81% | 39.98% | 56.25% | 23.74% | 25.07% | 33.16% | -682 bps | |