Chicago, IL · Charter 20049
Q2 1997
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.43% | 2.98% | 5.17% | -3.22% | 2.19% | 0.73% | -9.02% | -1,419 bps | |
| Return on Equity | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -24.81% | -25.96% | -23.44% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -63.01% | -67.35% | -65.32% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -24.52% | -28.86% | -27.26% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 5.38% | 9.23% | 10.01% | 4.91% | 9.92% | 37.72% | 10.95% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 2.76% | 0.02% | 3.02% | 5.64% | 6.95% | 18.72% | +1,870 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 95.19% | 100.98% | 77.90% | 61.73% | 46.65% | 46.35% | 37.14% | -4,076 bps | |
| Liquid Assets / Assets | 15.24% | 8.85% | 12.87% | 41.48% | 53.14% | 55.45% | 69.44% | +5,657 bps | |