PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Quad-Cities Pattern Makers

Moline, IL · Charter 17839

Q4 1999

$518KAssets
$436KLoans
$387KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 282 bps year over year; NIM at 5.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 112.54% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

0.01%-282 bps YoY

Net Interest Margin (quarter, annualized)

5.71%
n/a

Efficiency Ratio (quarter, annualized)

99.48%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.83%2.61%2.74%2.84%3.30%2.78%2.39%0.01%-282 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.71%n/an/a
Efficiency Ration/an/an/an/an/an/an/a99.48%n/an/a
Growth
Asset Growth (YoY)-7.58%-9.24%-0.64%-4.92%-12.27%-13.84%-15.97%-17.95%-1,303 bps
Loan Growth (YoY)30.89%29.24%29.45%17.42%-16.42%-14.29%-15.76%-21.37%-3,879 bps
Share Growth (YoY)-10.84%-12.74%-0.54%-5.77%-15.81%-17.68%-20.44%-22.90%-1,713 bps
Asset Quality
Delinquent Loans / Loans0.00%0.39%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 / Loans0.20%0.20%0.04%0.04%0.04%0.20%0.19%0.23%+19 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares95.99%96.63%108.76%110.35%95.30%100.61%115.17%112.54%+219 bps
Liquid Assets / Assets20.38%20.28%11.06%10.35%22.48%19.27%10.28%12.34%+199 bps