Crystal Lake, IL · Charter 21729
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.31% | 4.68% | 4.19% | 3.49% | 3.14% | 2.07% | 1.57% | 2.06% | -142 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 | 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 | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -8.62% | -14.45% | -4.66% | -18.21% | -18.22% | -20.40% | -595 bps | |
| Loan Growth (YoY) | n/a | n/a | -6.38% | -11.69% | -8.58% | -38.50% | -47.37% | -42.98% | -3,130 bps | |
| Share Growth (YoY) | n/a | n/a | -11.25% | -17.84% | -6.38% | -20.93% | -20.52% | -22.53% | -469 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.16% | 3.22% | 9.15% | 2.26% | 5.70% | 6.15% | 4.63% | 12.13% | +988 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 | 4.12% | 4.25% | 4.47% | 1.94% | 3.09% | 2.33% | 6.02% | 6.76% | +482 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 | 64.56% | 79.85% | 77.37% | 69.38% | 63.05% | 62.11% | 51.24% | 51.06% | -1,832 bps | |
| Liquid Assets / Assets | 22.19% | 22.53% | 22.45% | 23.58% | 24.17% | 30.28% | 29.06% | 31.49% | +791 bps | |