Chicago, IL · Charter 60983
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 | 4.94% | 2.73% | 2.34% | 2.45% | 1.86% | -0.04% | 0.21% | -2.70% | -515 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -60.70% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.63% | 4.36% | 5.11% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 97.67% | 86.79% | 138.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.72% | 10.82% | 10.83% | 11.78% | 12.48% | 2.05% | 2.84% | -8.24% | -2,001 bps | |
| Loan Growth (YoY) | -2.00% | 6.57% | 18.17% | 28.29% | 27.20% | 23.12% | 8.07% | 3.11% | -2,519 bps | |
| Share Growth (YoY) | 3.04% | 10.47% | 11.35% | 13.27% | 13.96% | 2.38% | 3.65% | -6.30% | -1,956 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 2.61% | 1.83% | 2.39% | 2.85% | 3.09% | 1.73% | 3.25% | +86 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 | 1.48% | 1.33% | 0.99% | 1.11% | 0.72% | 0.97% | 1.33% | 3.59% | +249 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.45% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.45% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.23% | 31.07% | 31.23% | 36.09% | 33.74% | 37.37% | 32.56% | 39.71% | +362 bps | |
| Liquid Assets / Assets | 48.44% | 61.64% | 63.78% | 56.66% | 58.42% | 54.72% | 29.56% | 44.68% | -1,199 bps | |