PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Springfield Prairie FRMS Dairy

Springfield, IL · Charter 60129

Q4 1999

$232KAssets
$220KLoans
$202KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.85%, down 91 bps year over year; NIM at 7.31%.
  • Asset quality: problem loans at 11.19% of loans (-938 bps YoY).
  • Funding: loans stand at 109.15% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

3.85%-91 bps YoY

Net Interest Margin (quarter, annualized)

7.31%
n/a

Efficiency Ratio (quarter, annualized)

47.29%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.87%4.11%4.25%4.76%4.42%5.44%-60.90%3.85%-91 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a7.31%n/an/a
Efficiency Ration/an/an/an/an/an/an/a47.29%n/an/a
Growth
Asset Growth (YoY)-0.66%-0.07%-7.25%3.87%-6.05%-15.55%-33.61%-21.01%-2,488 bps
Loan Growth (YoY)15.65%66.65%56.98%65.51%47.44%10.20%9.96%-13.12%-7,862 bps
Share Growth (YoY)1.16%-2.51%-7.65%3.54%-7.89%-19.22%-15.22%-24.22%-2,776 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%20.57%15.84%6.77%13.34%11.19%-938 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.44%6.66%6.93%5.71%5.73%4.46%30.82%4.49%-122 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares62.79%77.44%79.81%95.20%100.50%105.65%103.52%109.15%+1,395 bps
Liquid Assets / Assets30.94%19.52%17.50%5.96%6.43%4.46%5.23%3.06%-290 bps