PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Community

Decatur, IL · Charter 63070

Q4 1999

$17.6MAssets
$10.8MLoans
$15.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.69%, down 380 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.23% of loans (+40 bps YoY).
  • Funding: loans stand at 68.43% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

0.69%-380 bps YoY

Net Interest Margin (quarter, annualized)

3.60%
n/a

Efficiency Ratio (quarter, annualized)

77.35%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.94%4.21%4.44%4.50%4.40%4.34%4.09%0.69%-380 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.60%n/an/a
Efficiency Ration/an/an/an/an/an/an/a77.35%n/an/a
Growth
Asset Growth (YoY)4.50%3.96%7.97%9.64%9.95%8.73%8.09%13.12%+348 bps
Loan Growth (YoY)20.99%57.30%59.28%54.98%43.37%8.54%-2.05%-0.81%-5,579 bps
Share Growth (YoY)1.43%2.66%6.87%8.54%8.26%7.28%6.58%12.65%+411 bps
Asset Quality
Delinquent Loans / Loans0.73%0.68%1.04%0.83%1.03%2.06%0.88%1.23%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.03%0.74%0.58%0.54%0.47%0.51%1.07%0.88%+34 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares55.68%71.95%74.35%77.72%73.74%72.79%68.33%68.43%-929 bps
Liquid Assets / Assets15.76%9.77%11.49%16.96%21.97%22.50%18.85%13.98%-298 bps