Robinson, IL · Charter 60901
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.17% | 3.65% | 4.80% | 3.85% | 4.27% | 3.82% | 4.61% | 6.60% | +275 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 | -1.70% | -9.26% | -3.66% | 0.30% | 4.14% | -0.81% | -53.48% | -4,981 bps | |
| Loan Growth (YoY) | n/a | -3.74% | 10.56% | 15.84% | 20.37% | 17.82% | -13.79% | -47.52% | -6,336 bps | |
| Share Growth (YoY) | n/a | -2.27% | -11.41% | -4.89% | 0.55% | 4.49% | -1.37% | -65.69% | -6,080 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.21% | 6.14% | 2.29% | 1.69% | 2.25% | 2.10% | 3.07% | 4.64% | +295 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 | 1.34% | 1.33% | 1.05% | 1.00% | 0.69% | 1.10% | 0.51% | 0.83% | -17 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 | 56.58% | 46.85% | 68.13% | 66.00% | 67.73% | 52.83% | 59.55% | 100.96% | +3,496 bps | |
| Liquid Assets / Assets | 48.95% | 51.09% | 41.75% | 40.00% | 42.49% | 47.14% | 42.73% | 19.39% | -2,061 bps | |