Dolton, IL · Charter 64396
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 | 5.45% | 5.16% | 5.95% | 5.58% | 0.73% | 3.47% | 5.21% | 4.51% | -107 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 | -10.46% | -12.32% | -8.84% | -5.25% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -15.22% | -15.60% | -23.61% | -42.19% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -12.66% | -15.34% | -11.49% | -6.83% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.63% | 6.03% | 8.60% | 3.56% | 1.03% | 1.22% | 1.62% | 5.10% | +154 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 | 1.53% | 2.16% | 2.20% | 2.49% | 0.89% | 1.20% | 2.51% | 3.98% | +149 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 | 61.45% | 53.84% | 63.60% | 69.40% | 59.65% | 53.67% | 54.89% | 43.06% | -2,634 bps | |
| Liquid Assets / Assets | 34.22% | 35.86% | 40.84% | 36.45% | 37.52% | 37.64% | 41.33% | 41.18% | +473 bps | |