Hammond, IL · Charter 60339
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.97% | 3.30% | 4.42% | 4.14% | 1.34% | 3.24% | -6 bps | |
| Return on Equity | 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 | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 0.76% | -12.05% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -9.55% | -12.94% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 1.07% | -13.86% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 1.20% | 1.19% | 0.05% | 0.87% | 0.00% | 0.00% | -119 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.92% | 0.25% | 0.40% | 0.34% | 0.65% | -27 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 83.99% | 82.78% | 96.72% | 86.05% | 75.17% | 83.66% | +88 bps | |
| Liquid Assets / Assets | 7.01% | 25.87% | 13.31% | 22.82% | 31.83% | 26.28% | +40 bps | |