Oak Lawn, IL · Charter 61478
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.45% | 2.80% | 3.25% | 2.88% | 0.64% | 0.98% | 0.33% | -1.72% | -460 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.44% | -13.60% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.03% | 6.02% | 5.55% | 5.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.77% | 82.28% | 88.06% | 83.78% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.25% | -5.31% | -4.77% | -7.84% | -8.93% | -18.37% | -18.73% | -17.36% | -952 bps | |
| Loan Growth (YoY) | -2.26% | -3.86% | -6.84% | -4.13% | 0.70% | 3.73% | 11.99% | 8.33% | +1,246 bps | |
| Share Growth (YoY) | -9.49% | -6.80% | -6.33% | -9.79% | -10.72% | -21.68% | -21.52% | -19.17% | -939 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.56% | 0.99% | 1.22% | 1.15% | 3.62% | 2.38% | 0.52% | -70 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 | 0.76% | 1.21% | 0.86% | 1.22% | 1.47% | 1.35% | 0.64% | 0.92% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 13.46% | 12.65% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.46% | 12.65% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.80% | 69.14% | 66.82% | 65.70% | 78.73% | 91.57% | 95.34% | 88.06% | +2,236 bps | |
| Liquid Assets / Assets | 33.77% | 31.19% | 32.69% | 36.18% | 27.46% | 13.05% | 14.85% | 19.43% | -1,675 bps | |