Peoria, IL · Charter 60632
Q4 1997
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 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.74% | 3.86% | 3.75% | 3.75% | 2.10% | 2.38% | 4.68% | 1.59% | -216 bps | |
| Return on Equity | n/a | n/a | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | 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 | -3.49% | -4.35% | -6.78% | -9.12% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -21.39% | -3.16% | -4.21% | 0.39% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -6.56% | -6.74% | -10.46% | -10.67% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 5.31% | 0.88% | 2.87% | 6.17% | 9.44% | 4.18% | 2.98% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.34% | 2.21% | 1.97% | 0.38% | 0.88% | 1.17% | 0.98% | 0.31% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 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 | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.22% | 88.74% | 97.08% | 81.57% | 74.22% | 92.15% | 103.85% | 91.67% | +1,010 bps | |
| Liquid Assets / Assets | 20.89% | 20.23% | 19.07% | 25.35% | 32.05% | 17.07% | 13.92% | 19.49% | -586 bps | |