PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gateway Employees

Chicago, IL · Charter 24177

Q4 1996

$409KAssets
$134KLoans
$370KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.73%, down 25 bps year over year.
  • Asset quality: problem loans at 3.44% of loans (-606 bps YoY).
  • Funding: loans stand at 36.09% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

2.73%-25 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.51%2.98%4.18%4.47%4.39%2.73%-25 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-6.31%-27.04%n/a
Loan Growth (YoY)n/an/an/an/a-1.53%-36.78%n/a
Share Growth (YoY)n/an/an/an/a-11.93%-29.60%n/a
Asset Quality
Delinquent Loans / Loans16.96%9.50%14.55%9.77%12.92%3.44%-606 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans11.29%6.02%7.40%8.89%7.61%0.00%-602 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares41.24%40.19%40.88%42.37%46.11%36.09%-410 bps
Liquid Assets / Assets41.29%42.49%35.30%43.12%43.63%43.24%+76 bps