PackageTrendsPeer
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Bank of Sugar Grove

Sugar Grove, IL · Cert 21930

FDIC

Q4 1999

$44.9MAssets
$34.7MLoans
$38.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.37%, down 8 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 90.04% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.37%-8 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.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.25%1.29%1.40%1.45%1.26%1.36%1.33%1.37%-8 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)3.84%3.56%4.82%5.71%6.57%9.10%10.10%6.66%+95 bps
Loan Growth (YoY)36.85%24.02%28.42%25.73%19.30%19.76%26.90%16.43%-930 bps
Deposit Growth (YoY)2.79%7.44%4.29%8.18%6.96%9.39%8.87%4.54%-364 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 / Deposits69.28%70.68%74.16%80.84%77.28%77.38%86.44%90.04%+920 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