Peoria, IL · Charter 63138
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 4.17% | 3.32% | 3.92% | 4.30% | 4.33% | 4.00% | 1.45% | -247 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 | 5.12% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 76.50% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | -5.15% | 4.86% | 3.28% | 3.57% | 14.89% | 22.10% | 25.14% | +2,186 bps | |
| Loan Growth (YoY) | -0.55% | -6.92% | 1.35% | 11.55% | 19.03% | 23.69% | 16.40% | 13.48% | +193 bps | |
| Share Growth (YoY) | -3.09% | -2.63% | 3.21% | 1.88% | 0.19% | 16.43% | 20.25% | 26.37% | +2,449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.54% | 1.55% | 1.42% | 1.46% | 1.27% | 1.53% | 0.61% | 0.63% | -82 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 | 2.02% | 1.59% | 1.79% | 1.63% | 1.82% | 1.61% | 1.79% | 1.62% | -1 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 | 78.64% | 87.67% | 89.34% | 94.10% | 93.42% | 93.14% | 86.48% | 84.51% | -960 bps | |
| Liquid Assets / Assets | 2.78% | 16.81% | 12.03% | 8.26% | 10.38% | 9.39% | 4.18% | 4.15% | -411 bps | |