Decatur, IL · Charter 15349
Q4 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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.88% | 4.10% | 4.01% | 4.33% | 3.39% | 3.69% | 3.44% | 3.34% | -99 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 | 17.27% | 11.10% | 19.29% | 8.37% | -0.42% | 7.68% | -342 bps | |
| Loan Growth (YoY) | n/a | n/a | -1.43% | -24.24% | -7.50% | 10.49% | -12.62% | 6.13% | +3,037 bps | |
| Share Growth (YoY) | n/a | n/a | 18.67% | 9.71% | 23.09% | 6.13% | -5.65% | 13.48% | +377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 3.13% | 3.33% | 2.76% | 3.58% | 3.38% | 3.02% | 3.16% | 3.37% | -21 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 | 87.78% | 82.18% | 87.24% | 77.52% | 65.96% | 85.56% | 80.79% | 72.50% | -502 bps | |
| Liquid Assets / Assets | 43.06% | 44.12% | 39.16% | 50.75% | 52.81% | 44.79% | 45.67% | 44.42% | -633 bps | |