Aurora, IL · Charter 61362
Q1 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.70% | n/a | 4.64% | 4.31% | 4.40% | 4.14% | 4.23% | 4.19% | -12 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) | 16.34% | 11.59% | 10.23% | 8.86% | 8.72% | 2.80% | 2.42% | 1.51% | -735 bps | |
| Loan Growth (YoY) | 14.41% | 14.42% | 15.85% | 14.85% | 11.20% | 5.09% | 2.59% | -2.88% | -1,772 bps | |
| Share Growth (YoY) | 15.61% | 10.62% | 9.29% | 8.27% | 7.67% | 2.50% | 2.63% | 1.32% | -695 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 0.96% | 1.20% | 1.27% | 1.36% | 0.99% | 1.10% | 1.18% | -9 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 | 0.78% | 0.77% | 0.79% | 0.82% | 0.87% | 0.97% | 1.07% | 1.15% | +33 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 | 83.15% | 88.20% | 89.68% | 84.99% | 85.88% | 90.43% | 89.64% | 81.47% | -352 bps | |
| Liquid Assets / Assets | 15.30% | 11.23% | 12.43% | 16.11% | 15.66% | 10.28% | 11.92% | 18.52% | +241 bps | |