PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Mt Carmel

Mount Carmel, IL · Cert 18099

FDIC

Q3 1998

$709.8MAssets
$304.0MLoans
$492.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.73%, down 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.74% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.73%-15 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.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets-0.11%1.00%0.88%0.88%0.87%0.78%0.67%0.73%-15 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)-6.87%550%543%581%558%1.13%1.14%4.44%-57,704 bps
Loan Growth (YoY)21.34%528%510%495%477%-4.44%-3.41%-3.70%-49,830 bps
Deposit Growth (YoY)-7.60%463%461%485%483%-1.99%-2.54%-1.60%-48,694 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 / Deposits63.55%60.49%60.90%63.08%62.90%58.98%60.36%61.74%-135 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