Oak Lawn, IL · Charter 16645
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.88% | 3.13% | 3.68% | 3.29% | 1.00% | 0.92% | 1.27% | 0.04% | -325 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 11.44% | 0.41% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.90% | 3.87% | 4.17% | 3.22% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 70.74% | 69.49% | 65.90% | 96.62% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | 4.09% | 7.03% | 13.22% | 13.46% | 12.02% | 13.79% | 10.75% | -247 bps | |
| Loan Growth (YoY) | -33.58% | -37.96% | -39.84% | -28.75% | -21.32% | -14.45% | -11.72% | -19.42% | +933 bps | |
| Share Growth (YoY) | 1.43% | 2.95% | 6.48% | 13.04% | 13.09% | 11.13% | 12.33% | 10.05% | -298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.67% | 3.54% | 5.00% | 2.32% | 3.48% | 2.68% | 2.72% | 1.40% | -92 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 | 3.94% | 3.46% | 3.65% | 3.70% | 4.11% | 3.56% | 3.84% | 1.32% | -238 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.11% | 10.08% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.11% | 10.08% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.16% | 45.41% | 46.78% | 38.89% | 39.77% | 34.96% | 36.77% | 28.48% | -1,041 bps | |
| Liquid Assets / Assets | 45.57% | 34.50% | 25.95% | 34.22% | 29.27% | 17.02% | 40.73% | 70.17% | +3,596 bps | |