Effingham, IL · Charter 61798
Q2 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.65% | 4.10% | 3.97% | 3.03% | 3.94% | 4.77% | 4.95% | 3.15% | +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) | n/a | n/a | n/a | 5.90% | 11.51% | 14.73% | 8.24% | 8.66% | +276 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 26.44% | 49.14% | 13.75% | 4.51% | -4.21% | -3,065 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 5.87% | 12.26% | 15.65% | 6.60% | 9.70% | +383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.41% | 3.25% | 2.55% | 0.53% | 2.25% | 2.57% | 3.09% | 2.67% | +215 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 | 2.10% | 1.89% | 1.27% | 1.20% | 1.32% | 1.86% | 1.72% | 1.86% | +67 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 | 60.45% | 67.45% | 78.64% | 64.43% | 80.30% | 66.35% | 77.09% | 56.25% | -817 bps | |
| Liquid Assets / Assets | 41.94% | 39.19% | 31.96% | 40.13% | 27.88% | 39.65% | 34.35% | 49.07% | +894 bps | |