Romeoville, IL · Charter 62735
Q4 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.88% | 3.72% | 3.98% | 3.93% | 3.86% | 3.08% | 2.73% | -125 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 | n/a | 12.70% | 0.96% | -7.94% | -15.47% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1.05% | -15.81% | -15.12% | -20.36% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 11.45% | 1.43% | -9.52% | -15.15% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 1.17% | 0.99% | 2.61% | 2.34% | 3.95% | 3.42% | 1.49% | -112 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 | 2.17% | 1.95% | 1.82% | 1.92% | 2.09% | 2.27% | 2.32% | 0.24% | -168 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 | 97.31% | 103.93% | 95.66% | 90.92% | 88.24% | 86.26% | 89.74% | 85.34% | -558 bps | |
| Liquid Assets / Assets | 5.36% | 2.25% | 6.14% | 12.32% | 14.84% | 17.35% | 15.27% | 18.50% | +617 bps | |