PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community First

Danville, IL · Charter 60415

Q4 1999

$15.6MAssets
$7.5MLoans
$14.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.19%, down 374 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 2.24% of loans (-169 bps YoY).
  • Funding: loans stand at 50.72% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.19%-374 bps YoY

Net Interest Margin (YTD, annualized)

4.38%
n/a

Efficiency Ratio (YTD, annualized)

97.72%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.15%5.16%4.86%3.55%2.86%1.76%3.02%-0.19%-374 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.38%n/an/a
Efficiency Ration/an/an/an/an/an/an/a97.72%n/an/a
Growth
Asset Growth (YoY)69.66%46.19%10.86%-7.84%-15.85%-14.32%-14.86%-31.17%-2,333 bps
Loan Growth (YoY)68.66%39.59%14.19%-17.18%-39.08%-44.25%-48.44%-51.66%-3,449 bps
Share Growth (YoY)71.60%60.60%10.86%-7.75%-15.31%-10.38%-12.13%-30.51%-2,275 bps
Asset Quality
Delinquent Loans / Loans1.98%3.08%3.54%3.93%3.23%2.65%2.34%2.24%-169 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.09%1.55%1.50%2.19%2.27%2.01%3.20%2.94%+74 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 / Shares91.14%91.80%81.72%72.92%65.56%57.11%47.95%50.72%-2,220 bps
Liquid Assets / Assets5.79%2.12%12.29%21.53%27.01%32.76%38.39%29.91%+838 bps