PackageTrendsPeer
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Bloomington, IL · Charter 64289

Q2 1996

$3.9MAssets
$2.3MLoans
$3.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.49%, up 136 bps year over year.
  • Asset quality: problem loans at 2.32% of loans (+51 bps YoY).
  • Funding: loans stand at 65.01% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

4.49%+136 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.13%4.59%5.12%4.83%4.49%+136 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-0.76%n/an/a
Loan Growth (YoY)n/an/an/an/a12.04%n/an/a
Share Growth (YoY)n/an/an/an/a-1.82%n/an/a
Asset Quality
Delinquent Loans / Loans1.81%1.41%1.01%1.40%2.32%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%0.67%0.41%0.71%0.87%-10 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares56.97%62.00%65.18%68.02%65.01%+804 bps
Liquid Assets / Assets29.76%32.79%9.76%5.34%23.24%-653 bps