PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Irving Bank

Chicago, IL · Cert 17015

FDIC

Q4 1998

$125.1MAssets
$69.4MLoans
$95.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.11%, down 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.99% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.11%-36 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.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.48%1.68%1.60%1.47%1.47%1.47%1.35%1.11%-36 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)1.81%4.30%11.18%12.90%9.48%10.38%4.81%15.98%+308 bps
Loan Growth (YoY)-1.00%3.41%5.54%5.95%4.31%1.37%-2.26%3.71%-224 bps
Deposit Growth (YoY)1.24%2.86%10.94%12.77%10.03%12.65%6.08%0.49%-1,228 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 / Deposits74.77%76.55%72.40%70.72%70.89%68.88%66.71%72.99%+227 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