Pekin, IL · Charter 60875
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 3.06% | 2.84% | 3.10% | 2.89% | -0.14% | -0.81% | -1.76% | -486 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -11.47% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.86% | 4.71% | 4.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 82.02% | 93.08% | 102.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.21% | -7.96% | -4.03% | -2.11% | 4.08% | -3.36% | -9.42% | -11.65% | -953 bps | |
| Loan Growth (YoY) | 52.21% | 59.39% | 42.44% | 7.00% | -10.69% | -13.83% | -19.36% | -11.57% | -1,856 bps | |
| Share Growth (YoY) | -14.82% | -9.06% | -4.69% | -2.67% | 4.90% | -3.28% | -9.71% | -11.97% | -930 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.67% | 0.73% | 14.04% | 3.23% | 3.46% | 0.35% | 1.26% | -1,279 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 | 1.12% | 1.76% | 1.26% | 0.88% | 1.01% | 2.23% | 2.42% | 2.43% | +156 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.33% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.33% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.46% | 74.86% | 69.75% | 67.09% | 65.10% | 66.69% | 62.29% | 67.40% | +31 bps | |
| Liquid Assets / Assets | 8.34% | 28.44% | 32.82% | 26.01% | 12.13% | 14.93% | 32.64% | 11.63% | -1,437 bps | |