Burnham, IL · Charter 61855
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.00% | 3.45% | 3.27% | 3.27% | 3.28% | 3.05% | 3.11% | 2.66% | -62 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 | 1.13% | -8.76% | -15.76% | -14.50% | -11.71% | -1,284 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 25.48% | 5.15% | -12.92% | -13.22% | -26.03% | -5,151 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -2.58% | -12.17% | -19.42% | -18.35% | -14.77% | -1,218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 1.88% | 1.18% | 2.02% | 1.83% | 3.80% | 4.23% | 2.06% | +4 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 | 1.49% | 1.39% | 1.31% | 1.64% | 1.89% | 1.75% | 1.36% | 1.62% | -2 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 | 52.10% | 56.44% | 59.24% | 59.74% | 62.37% | 60.99% | 62.96% | 51.84% | -790 bps | |
| Liquid Assets / Assets | 21.56% | 31.24% | 32.82% | 29.22% | 30.10% | 38.99% | 35.98% | 45.38% | +1,615 bps | |