PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Chenoa

Chenoa, IL · Cert 16922

FDIC

Q1 2001

$34.5MAssets
$19.8MLoans
$30.1MDeposits
$3.9MEquity
Deposit mix
91%Interest-bearing $27.4M9%Noninterest $2.7MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.26%, up 27 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 65.69% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.26%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.08%
n/a

Efficiency Ratio (YTD, annualized)

59.81%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.99%0.98%1.04%0.99%1.00%0.97%1.02%1.26%+27 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.08%n/an/a
Efficiency Ration/an/an/an/an/an/an/a59.81%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a2.19%n/an/a
Growth
Asset Growth (YoY)-5.91%2.42%3.75%7.46%1.94%2.87%0.94%3.05%-441 bps
Loan Growth (YoY)-2.01%-4.62%-4.17%-1.97%-2.24%-4.11%0.91%5.34%+731 bps
Deposit Growth (YoY)-6.07%1.55%4.18%7.65%0.98%3.21%-0.49%1.86%-579 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/a0.00%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.33%n/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/a19.37%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a11.27%n/an/a
Liquidity & Funding
Loans / Deposits65.87%65.57%64.12%63.52%63.77%60.92%65.02%65.69%+217 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%11.28%+1,128 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a