PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Wilmington

Wilmington, IL · Cert 3755

FDIC

Q2 1998

$699.8MAssets
$414.5MLoans
$603.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.65%, down 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.65% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.65%-29 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.15%1.20%0.89%0.94%0.98%0.99%0.88%0.65%-29 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)547%546%561%557%2.60%6.11%10.40%7.94%-54,856 bps
Loan Growth (YoY)461%481%505%517%14.99%14.91%11.39%4.38%-51,249 bps
Deposit Growth (YoY)534%556%553%540%2.44%4.92%5.39%4.04%-53,638 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 / Deposits61.99%64.99%65.23%68.43%69.58%71.18%68.95%68.65%+22 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