La Grange, IL · Charter 23708
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
La Grange, IL · Charter 23708
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.49% | 5.51% | 4.88% | 5.46% | 7.69% | -0.73% | 3.33% | -14.42% | -1,988 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 | 6.17% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 85.23% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.71% | 7.32% | 10.72% | 2.36% | -6.50% | -10.47% | -8.30% | -18.39% | -2,074 bps | |
| Loan Growth (YoY) | -4.29% | -4.24% | -2.72% | 42.24% | 79.00% | 66.29% | 36.71% | -33.85% | -7,609 bps | |
| Share Growth (YoY) | 15.23% | 2.17% | 7.91% | -1.23% | -16.52% | -10.96% | -6.07% | -3.34% | -211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 5.35% | 3.75% | 2.49% | 8.47% | 20.43% | 26.85% | 14.24% | +1,175 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 | 2.89% | 2.93% | 2.51% | 2.19% | 2.53% | 9.61% | 8.31% | 7.14% | +495 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 | 55.50% | 60.77% | 62.15% | 100.48% | 119.00% | 113.49% | 90.45% | 68.77% | -3,171 bps | |
| Liquid Assets / Assets | 46.62% | 43.96% | 43.43% | 12.92% | 1.98% | 0.54% | 22.93% | 29.11% | +1,619 bps | |