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Lincoln National Bank

Chicago, IL · Cert 16159

FDIC

Q1 1996

$412.9MAssets
$290.9MLoans
$338.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.33%, up 57 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.90% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

2.33%+57 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.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.97%1.97%1.97%1.76%2.26%2.38%2.48%2.33%+57 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)n/an/an/a11.49%10.59%14.66%8.69%18.87%+738 bps
Loan Growth (YoY)n/an/an/a7.22%17.75%18.21%25.85%28.71%+2,149 bps
Deposit Growth (YoY)n/an/an/a6.23%3.70%18.72%20.28%23.18%+1,695 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 / Deposits75.39%82.83%72.52%82.21%85.60%82.47%75.88%85.90%+369 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