Midlothian, IL · Charter 18289
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.86% | 4.39% | 3.83% | 4.04% | -4.53% | -0.47% | 3.08% | 0.77% | -327 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.35% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 63.92% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.28% | 3.00% | 4.68% | 9.34% | -3.59% | 1.70% | 3.15% | -2.70% | -1,203 bps | |
| Loan Growth (YoY) | 5.38% | 0.05% | -1.63% | -0.81% | -6.86% | -21.78% | -22.19% | -20.10% | -1,929 bps | |
| Share Growth (YoY) | 10.31% | 8.24% | 3.22% | 8.07% | -1.03% | 4.75% | 7.05% | 0.29% | -778 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 4.01% | 7.96% | 9.91% | 6.30% | 4.86% | 2.86% | 2.74% | -717 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 | 2.58% | 2.98% | 3.61% | 2.36% | 3.76% | 5.10% | 4.23% | 4.68% | +232 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.30% | 101.90% | 98.89% | 92.93% | 84.04% | 76.09% | 71.88% | 74.04% | -1,889 bps | |
| Liquid Assets / Assets | 18.92% | 9.63% | 14.42% | 18.23% | 22.15% | 29.68% | 32.83% | 31.71% | +1,349 bps | |